Posted by Gene-AL on December 17, 2009 at 08:01:40 from (68.220.208.141):
In Reply to: Life insurance...Yikes posted by Gun guru on December 17, 2009 at 02:21:03:
Term life is the only way to go IMHO. It's protection for the unthinkable - premature death. It is real insurance, not an investment scheme. If you buy whole life or some variation thereof and live to old age (like me) then you'll probably realize the mistake you made, still paying premiums on a policy that is now way too small to do much good anyway due to inflation over many years. Term life is cheap when compared to whole life. Save the extra you'd pay somewhere else and be ahead of the game. If you can't force yourself to save the extra, then maybe whole life could make sense - but you are locked in for your entire lifetime, either pay up or lose.
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