Permanent life insurance

brandon8283 said

Is the financial advisor the one selling you the insurance policy? Because his commission is gonna be a ton higher on whole life than term. Why? Because they make way more money on it than term.

And conversely, you make way less.

Get a new financial advisor.

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Not necessarily. Depends on the carrier and other factors, like age and other risk factors. I've seen WL policies pay slightly less than TL. But I always suggest shopping around for life insurance, anyway. Buying from your financial advisor isn't necessarily the best idea.