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Whole Life
This is a permanent life insurance that provides guaranteed protection for the rest of your life. A whole life policy offers a guaranteed death benefit along with a living benefit, which would be the cash value of the policy. This type of policy does not expire as long as the premium payments are made.
Term Life
This is a limited time coverage and can most time be the most cost effective. When your term time ends so will your policy, which means that you will no longer have life insurance coverage. When this happens you will have to apply for new insurance or transition your policy to whole life if you’re able to do so.