• marybeth 8:03 pm on December 21, 2009

    Term life insurance has lower premiums, but you are comparing apples to oranges.

    The longer period of time the insurance is guaranteed for typically the higher the premiums. A 30 year term product is more expensive than a 10 year term product. A whole life product will be the most expensive since it covers the longest period of risk.

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    Best Wishes,