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Pro:
It's cheaper than any other form of life insurance so you can buy more for less
Con:
It's like leasing or renting a car, in the end you have nothing including the money you paid into it.
Pro: Insurance companies love it because it is pure profit for them
Con: People buy it when they are young and healthy, then when they are old and sick they can no longer afford it or qualify for it when they need it most.
Pro: most policies are convertible to perm insurance.
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