With your agreement, and pennies to how much the face value is worth, you can guarantee what you were hoping to accumulate eventually.
Life insurnace death benefit is not accumulated over time. As soon as you agree, that money is ready at any time. The money is guranteed, it just depend on the time.
At the exact moment your income will be needed most , is when the money will come from your life insurance. You can think of it as discounted dollars. For every Quarter you put in your being guaranteed hundred dollars year over year.
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