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All life insurance is term insurance. Anyone who says anything different is not knowledgeable of the pure and simple way a policy is constructed and managed.

The primary flaw with financial planning is the fact that it is done by those who are not using true fiduciary-based principles. You cannot sell a product and call yourself a financial planner. It's wrong.

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The fundamentals regarding the acceptance or transfer of the risk of withdrawing money from an account. Will it last as long as you and/or your dependents?