Tip # 99 Switch to term life insurance
Instead of whole or universal. Here is an article to explain far better than I could. Basically, the idea behind term life insurance is that once the "term" is over, you would have enough in savings to cover your loved ones in the event of your passing. You also don't ever want to use insurance as an "investment" which is a common misconception, and often how whole life insurance is pitched.
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