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Is Variable whole life insurance a good investment?

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Is Variable whole life insurance a good investment?
When making a decision about an investment I would always reccommend you look at guarantees! Whole life....Guaranteed. Variable Whole Life.....? If you are going to make investments in variable then why would you not buy Mutual Funds? You still need life insurance for protection and as a plan of completion, I would just look closely at Variable. EVERYONE needs whole life.
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