When trying to figure out whether to buy whole or term life insurance, there are several things to consider.

Whole life policies have several good qualities, such as the possible pay out of dividends and the accumulation of cash value that can be borrowed against it if needed.

While a line of credit backed up with equity is always welcome in times of extreme need, a whole life policy can be very expensive, possibly leading to the need that leads to borrowing against one's own cash.

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