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For that purpose you have to buy either whole life, universal or endowment policies.
I know the argument about buying term and investing the difference, but the first thing against that is that you have to have the discipline of investing. Also term, is based on a number of years and you for a very good reason, like being very sick and not having too much time on the term, want to convert to a whole life, because at that time you are older will cost you much more, and some term policies, allow conversion just to a certain age,. The best thing is to have a decent whole life policy that you are to keep for the rest of your life and a term for the amount of money that you think is going to be needed while your family is growing
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