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Indiana | With very few exceptions, you buy life insurance for the same reason most buy home owners insurance. To protect you or the people you care for against a catastrophic loss. There is a cost to do that. There is an additional cost to return principal. It sounds to me like you need to incur the first but not the second. The simplest, lowest fee product is a term product that protects you for the time period/amount needed. Very very few situations where any other type of complicated and higher commission product will be optimal.
There are no free lunches. | |
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Return of Premium life insurance
