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While at lunch with a group of coworkers, one of your friends mentions that he plans to buy a variable life insurance policy because it

While at lunch with a group of coworkers, one of your friends mentions that he plans to buy a variable life insurance policy because it provides a good annual return and is a good way to build savings for his 5-year-olds college education. Another colleague says that shes adding coverage through the group plans additional insurance option. What advice would you give them?

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