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Term covers you for a set number of years at a lower price. Whole life covers you for life and builds cash value, so it costs more per month.
Part of each premium goes into a savings component that grows over time. You can borrow against it or use it later. Loans reduce the death benefit if not repaid.
Yes. Smaller whole life policies are a common way to cover funeral costs and final bills so your family isn't left with them.
Not always. Some policies are available with just a few health questions.
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