Cannot bang this drum enough; if you're not already rich you should have term life and *probably* private long-term disability.https://twitter.com/__shale__/status/858914592331714561 …
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But you don't magically get a discount due to buying insurance young. Your term life insurance is basically prepaying for later years' risk.
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Discount is considerable if you get unhealthy later. Plus you can buy combo term life and savings plans that convert to annuities.
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