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Term life insurance or Whole life insurance or Universal life insurance for question 1 to 4 1. I'm worried that my health might decline and

Term life insurance or Whole life insurance or Universal life insurance for question 1 to 4 1. I'm worried that my health might decline and want to secure a steady premium that won't be contingent on passing medical exams in the future. 2. I want flexibility in the amount I pay in premiums in each month. 3. I want lifelong coverage. 4. I don't want to pay heavy fees

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