Author: Ray Rodriguez

Key Differences
– Term: 10–30 years
– Whole: lifetime coverage
– Term: no cash value
– Whole: builds cash value
Cost Comparison
– Term is 5–15× cheaper
– Whole has higher premiums

1. Think long-term about life insurance to protect loved ones consistently and adequately.
2. Start early: Adjust life insurance as your career, family, and financial milestones evolve over time.