There is no one fixed solution as we are all different: in terms of financial position, life’s stage and even personal belief!
When ready to make a decision on an insurance purchase, identify clearly your objective, the financial resources committed to and from there: pick the most appropriate solution! Do not digress with the product features: they should be a catalyst in choosing them. My personal experience reveals too much distraction caused at this stage and one loses focus on why we even had this discussion to begin with…
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