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What types of life insurance are there?

The three most popular types of life insurance are term, whole and universal. Term life provides protection for a specified period of time (like 10, 20 or 30 years) and is typically very affordable when you’re younger. 

Whole life and universal life policies provide permanent coverage as long as premiums are paid. They typically have higher premiums than term life but also build cash value that can help with things like providing emergency funds or an estate for your family later in life.