Whole Life vs Term Comparison
Compare the total cost and cash value of whole life versus term life insurance over your lifetime.
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Whole life insurance costs 5-15x more than term because it builds cash value and lasts your entire life. The "Buy Term and Invest the Difference" (BTID) strategy often produces better returns, but whole life offers tax-deferred growth, forced savings discipline, and guaranteed cash value. The right choice depends on your financial discipline and estate planning needs.