Whole Life
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A traditional type of permanent insurance, designed to last for your entire life. It provides a guaranteed death benefit, guaranteed premiums, and cash value that accumulates at a specific, set rate. Some policies offer nonguaranteed dividends that can increase the cash value and death benefit or reduce premiums. This type of life policy is traditionally more expensive unless started at a young age. Investing usually has a better rate of return, but for hands off type of policy that has many years available to ride the ups and downs of the ever increasing stock market, then this would be a good investment.
