For 90%+ of households, term life is the right choice — 5-10× cheaper for the same death benefit. Whole life is appropriate for estate planning and high-net-worth scenarios.

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Understand the four life insurance types, how much coverage you actually need, and how to avoid being oversold permanent policies you don't need.

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Term or whole life?: For 90%+ of households, term life is the right choice — 5-10× cheaper for the same death benefit. Whole life is appropriate for estate planning and high-net-worth scenarios.

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Frequently asked questions