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Originally Posted by selena
I was taking your questions as meaning why was I wanting term instead of whole life. I'm going to think on your suggestions, becuase they seem to make alot of sense.
Thank you! 
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I asked it that way to get the best response. People are funny about insurance questions.
I figure if you look around you will see a bigger policy and 20 year is not much more than the 10 year version. Which if you renew in 10 more years well it will be a whole shit load more, inflation and your age and all.