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What is the common Term Life plan?

The most issued Term Life policy is the 10-year term, it gives you adequate coverage in the time frame you need it the most with lower premiums. 

Whats the benefit of a Whole Life policy?

You can have the protection of life insurance and build additional cash value throughout the years.

Premiums are a little higher but you have more options.

Why should I have a life insurance policy?

For a low monthly cost, it will provide additional financial protection and a peace of mind during troublesome times.