Posted by steve terplak on January 06, 2011 at 18:11:35 from (67.142.168.26):
some questions...for those who know...as i am at a loss i purchased myself a variable whole life policy 2 years ago, w/ my policy i pay a premium for 10 years and then owe nothing on top of that. i am young -28 right now. my job (teacher) gives me a guaranteed life insurance - 3x salary - in addition got married this year and my wife is looking to invest for the future (no retirement at her job) and possibly get info we have had 2 financial people over to sell us stuff and low and behold - each one says that the other one's system is a rip-off and we need to invest with them...which is what i figured would happen
couple other factors - no mortgage (inherited house eventually), low debt - some student loans
should we, in any of your opinions, a) keep my life and get her a whole life too b) get rid of my whole life and both of us get term c) keep my whole life as an insurance + investment, and get her term as cheap coverage and invest the difference more in her retirement.
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