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Life insurance is necessary for us to have but a whole life insurance is probably better. It is better because it is permanent because a whole life policy provides life-long protection and is guaranteed to do so by the insurance company. It provides protection for ones family in the event of loss while building value over the life of the plan. Consumers should be sure that the agent they are working with is licensed and represents for a reliable company. Always keep in mind that the right policy can provide these funds and lighten the financial burden of the loss.