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Run the numbers. Whole costs about ten times as much as term. If you inesvt the difference, you're WAY ahead of the game. The only way you get your money back on whole life, is by DYING. Otherwise, the cash value is about 10% of what you've paid in pretty crappy return, from an inesvtment point of view. Define your goal. For most people, buying term inesvting the difference, is the most cost effective way to acheive the goal.
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