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Insurance Essay
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Insurance Essay

In the past, Insurance industry focused mainly on marketing of Cash Value life insurance policies. Whole Life insurance with a saving component was being promoted as effective “forced saving” tools. Nowadays, Term life insurance is being promoted as a more “effective” insurance product. More and more insurance companies encourage consumer to “buy term and invest the difference”.
In no more than 3 pages, identify all critical factors in determining whether Term life or Cash value life insurance would better suits the financial planning needs of a consumer.

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