TL;DR — Term vs Permanent Life Insurance Term costs 5-15x less — $25/month vs $200-450/month for same death benefit [^42^][^43^] Permanent builds cash value at 2-4% annually — beats inflation barely, S&P 500 returns 10%+ historically 97% of term policies expire worthless — but that’s actually good (you’re alive) Permanent life insurance is bad for […]
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