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Compare Life Insurance Plans, Investment Returns and Quotes

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Life insurance can be complicated insurance product to buy. Many life insurance plans combine financial protection against personal tragedy and lifelong investment returns into a single strategy.

But whether you’re trying to create peace of mind for the future of your family or preparing for retirement, you need to compare life insurance plans to make sure you have the right strategy for your situation. Here’s a brief rundown of the pros and cons for the most common types of life insurance:

Compare life insurance plans

Compare life insurance for investment and retirement opportunities

Too many people get sucked into buying whole life insurance because of gimmicky cash value life insurance policies that do little more than combine term life insurance with retirement savings that produce a poor return on investment.

RELATED: Shop for Term Life Insurance With No Exam

While more than 70 percent of life insurance policies sold today are cash value policies, virtually every honest insurance expert will tell you these policies are a bad investment. By opting for term life insurance and putting the difference in premiums into your retirement portfolio, you’ll come ahead in the long run.

Financial guru Dave Ramsey even goes so far as to say “cash value life insurance is one of the worst financial products available.”

On the other hand, many people are immensely pleased with their whole life insurance as it has provided added peace of mind during their twilight years. And while it’s hard to argue that permanent life insurance is a wise investment strategy, many people wouldn’t have the discipline to keep up with a long-term investment plan without the structure of a permanent life insurance policy.

Compare life insurance quotes online

To compare life insurance is to shop for life insurance: Unless you already have extensive knowledge of various life insurance policies, you should consider several different plans. The fastest and most reliable way to compare life insurance plans is to get multiple quotes from an online referral service, like netQuote.

Not only will you be able to compare life insurance quotes from several different, reputable companies, but you’ll be able to do so from the comfort of your own home and at your own pace so you can take however much time you need to feel confident about your decision.

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