re: What are the best options forLife Insurance Policies

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So, just stick with a term policy ?

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Yes.

But if you are on the fence, get a quote on the monthly rate for a whole life policy versus a term life policy of the same amount. It will completely blow your mind how much more expensive the whole life policy (or whatever variant of this that they call the cash value policy - permanent, universal, etc) will run you each month.

Then you can really compare the "cash value" of just keeping that extra money in your pocket every month.