The older you get, the more life insurance rates increase. The sooner you buy, the sooner you'll lock in your lowest premium—and save the most money in the long run.
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Term life insurance policies are perhaps the most common form of life insurance, and they tend to have the most competitive rates. But their affordability doesn't necessarily mean they are less valuable for you. In fact, term policies can offer higher coverage amounts than other forms of life insurance.
Whole life insurance is often referred to as a permanent life insurance product.
