Submission of information to insuranceandestates.com or use of this website, does not constitute an attorney client relationship with Steven Gibbs unless and until the terms of our agreement are confirmed in writing. Finally, to end our whole life insurance cons list, we have to consider opportunity costs. I understand that by calling the phone number above I will reach a licensed sales agent. One reason might be a a child who has special needs. The pro-term life insurance opinions practically consider whole life to be a useless option. You make sure to pay your other bills, so pay this one as well. Whole Life Is More Expensive A whole life policy does cost substantially more than what you would pay for a term life insurance policy. Every financial product has its pluses and minuses, let’s discover the pros and cons of whole life insurance now. Due to Steven Gibbs license as an attorney, this website may be interpreted to constitute attorney advertising. And Dave Ramsey recommends putting aside $1,000 as the first “baby step” to take. So, let’s discover the benefits or pros… … Shopping for life insurance can be confusing if you’ve never investigated it or haven’t purchased it before. Finally, for a balanced approach we offer the disadvantages of IUL insurance as well. Though the benefits of a whole life insurance policy are attractive, there are also some drawbacks that you should consider before committing to a whole life policy. A financial advisor can show you how whole life insurance can be a critical component of your financial plan. Special needs planning with life insurance is a great way to provide for your child when you are no longer able to. The Fees are Too High. Consider the commissions for a Real Estate agent, who makes 3-6% commission on the full value of a home’s sale price. This field is for validation purposes and should be left unchanged. Life insurance policies described, quoted, shown and illustrated throughout this website are not available in all states. The initial fees and expenses make it difficult to get ahead in the early years of your policy. Invitations for application for life insurance on insuranceandestates.com are made through its designated agent, Steven Gibbs, only where he is respectively licensed and appointed. Skip navigation and proceed to main content. So, the money you withdraw is from your cost basis, not from any gains. The benefit is you can withdraw premiums paid into your policy up to your basis without a taxable event. By completing a questionnaire or requesting information from insuranceandestates.com, you consent and expect to be contacted by a licensed insurance agent via phone, email, text or direct mail. Contrast this with a ROTH IRA, where contributions are limited, or even non-existent for individuals who make too much money, which is why whole life insurance is the rich persons Roth. Steven Gibbs is domiciled in California. Life insurance dividends are actually a return of premium and are not subject to income taxation. How much life insurance is right for you? Can I afford it? With whole life insurance, thereâs more to consider. Let’s look at them now. Of course, the IRS is not a friend of tax shelters so that changed. It used to be you could load up a life insurance policy to the max. You can use your dividend to buy annual renewable term insurance, adding to your death benefit. Hello and thanks for commenting although I find your thinking process bizarre. Whole life insurance has several tax benefits. Consider the following two points which help clarify our position. Pare says that life … The few that do are small and don’t offer features such as Paid-Up Additions as in your description above. It may be that coverage is only needed until the mortgage is cleared or until the children have completed their education. As a financial advisor, I’m asked a great deal about the right way to save for college. And if you consider the fees as a total percentage of the death benefit, the fees and costs are relatively low when compared to other savings vehicles. In contrast, a life agent selling a $1,000,000 death benefit may make only 1% of the total commission vs the total death benefit over the life of the policy. Give us a call today for a complimentary strategy session and see just how powerful this asset can be for you. After all, everything has its own advantages and disadvantages. Whole life is generally more expensive than term. Rates and time taken to qualify and purchase a life insurance policy vary by product and underwriting requirements. Using Life Insurance Effectively. Premiums typically stay the same for the life of the policy. With a properly designed policy, the death benefit can be larger than the total of the original death benefit purchased and cash value combined. Additional licenses of Steven Gibbs are available upon request. If the primary purpose for considering this product is to offer a death benefit to your loved ones, then there are cheaper products out there which can serve this need when compared to a … Life and disability insurance, annuities, and life insurance with long-term care benefits are issued by The Northwestern Mutual Life Insurance Company, Milwaukee, WI (NM). If an InsuranceandEstates visitor requests a quote, Insuranceandestates.com may enlist the help of other independent agents to help its customers find the best values. For the sake of conscience, ethical investors find the life-insurance-company option seriously lacking. First, the death benefit is typically tax-free. You can borrow against your life insurance, using your cash value as collateral. A benefit of long-term care riders vs traditional long-term care insurance is that a hybrid life insurance long-term care policy’s premiums are fixed. Your whole life death benefit is guaranteed, as long as your premiums are paid. 2 Dividends are reviewed annually and are not guaranteed. Long-term care riders can be attached to permanent life insurance policies, such as IUL and Whole Life. What kind of policy is right for me? A common question is whether to tap into a whole life insurance policy or set aside funds for a 529 college savings plan. Your whole life policy’s premiums are fixed. Whole of life cover is completely guaranteed. So, you don’t get the cash value and death benefit. The rates and information displayed are for informational purposes only and should not be construed as advice, consult, or recommendation. In reality, a properly designed whole life policy, blended with term insurance and paid-up additions, carries a very low commission for the agent in comparison to ordinary life insurance. The main knock to whole life you always hear, particularly from certain financial pundits like Dave Ramsey, are that whole life is more expensive than term. A whole life policy may not be appropriate for all families. That is some pretty successful marketing! Other assets, such as your home equity, are not as liquid. However, you can still fund your policy with limits set by your face amount, and you can overfund your life insurance with the appropriate riders. However, these tend to have death benefits limited to less than $50,000, so the cost per dollar of coverage is quite high. If price is the number one objection, in close second is that a whole life insurance salesman makes bank on these life insurance policy types. How dividends are paid out can vary from company to company and sometimes be confusing. The following article covering whole life insurance pros and cons is separated into two sections. Some states allow maximum protection for cash value and death benefits, which means creditors cannot touch your cash surrender value in your life insurance policy. Over time, you will have two income producing assets, that can then be leveraged into creating even more income producing assets, which is the foundation of infinite banking. Disclaimer: Life insurance policies are not investments and, accordingly, should not be purchased as an investment. As youâre weighing the different types of life insurance policies, youâre likely to consider whole life insurance. Understanding these differences is crucial to picking a life insurance policy that’s right for you and your family. The additional coverage increases your death benefit and cash value. Understanding Risk 2. This article explores its advantages and … Guaranteed (but modest) return on money; Fixed premiums; Eventually builds cash value you can borrow against or withdraw before death; Cons. Northwestern Mutual is the marketing name for The Northwestern Mutual Life Insurance Company and its subsidiaries. Not all products and services are available in all states. Your cash value grows tax deferred, allowing true compound interest growth, free from taxes, which greatly diminish returns over the long term. CONS of Universal Life Insurance Level Death Policy . You can use the cash value throughout your life, and it can become a key part of your retirement plan, helping you to weather bad markets.1. Do I need life insurance if I donât have a family? By keeping your money moving you benefit from the velocity of money, since your cash value is still in your policy earning interest. Whole life insurance is considered cash value life insurance and is tax favored under the IRC. For some people, whole life insurance is the better choice because it offers leveraged death benefit protection, but also cash value growth. The first section defines indexed universal life and lists our picks for the best IUL companies. 2. Eventually, with some policies, you will be done paying your premiums, but the life insurance will continue. The guarantees alone … All Rights Reserved. You could use that money to pay your premiums or reinvest in your policy, or you can take the dividend as cash. Benefits of Cash Value Life Insurance (Pros) By now, you have witnessed some important facts about cash value. You will pay interest when you borrow from the insurer, using your cash value as collateral. The rider kicks in after an elimination period and the insurance company will waive all premiums due. Permanent life insurance (i.e. Download The Estate Planner’s Tactical Guide for FREE. One, there is a huge benefit to starting a whole life policy while you are young. Prior to some law changes, this was a great tax shelter. Business owners can fund a buy-sell agreement with life insurance to provide an additional source of income if an owner dies. Whole life insurance is a forced savings plan. Asset Protection 3. Why might that matter? Most life insurance companies do not have ethical screens. You can choose to take the dividend in the form of cash for whatever you want you to do with the money. The pros and cons of whole life insurance depend on what your financial objectives happen to be at this time. You sound like you might be inclined toward research. You have various options on how you decide the dividend should be used. In truth, there are both pros and cons when it comes to whole life insurance. Another knock on whole life and permanent life insurance in general is your beneficiary does not get your cash value and death benefit. Another dividend payment option is to leave the money with the life insurance company, earning interest at a rate set by the insurer. Term insurance is pretty easy to understand: You pay a certain amount each month for a certain death benefit. But consider that only 39% of Americans have enough savings to cover a $1,000 emergency. But it has very unique qualities that set it apart as a excellent vehicle for escaping the rat race and helping you on your way to financial freedom, despite what the financial pundits would have you believe. More specifically, we are huge fans of whole life because it is a great asset for building wealth and leaving a legacy and should be part of anyone’s financial blueprint. Now you can get the insight needed to take charge of your family wealth protection plan and your future. The complexity can actually work to your advantage, as you can tailor a whole life insurance policy to suit your specific needs. If you are diagnosed as terminally ill with 12 months to live, the rider will allow you to access your death benefit payout in advance. A whole life policy also has a savings component that … When you buy a participating whole life insurance policy from a mutual insurance company you become a partial owner in the company. Pros and Cons of Cash Value Life Insurance. As a result, over time your policy gets more and more efficient, paying you a higher internal rate of return the longer you have the policy. Compared with term life insurance, whole life insurance is costly—between five and 15 times as expensive, by Investopedia’s estimate.One reason is that part of your premium goes to fund that cash value account (so it isn’t entirely wasted). The life insurance companies that manufacture this product love being proprietary. That way, your investment is increasing in value and your policy is growing its cash value. In addition, you may be able to exchange a whole life insurance policy for other types of insurance in the future (perhaps an annuity). 5111 N Orange Ave, 8th Floor, Orlando, FL 32801. Under this model, the fees will probably increase each year as your 401k or mutual fund account grows. Knowing the pros and cons of each will help you make an informed choice and protect what matters most. Cons of a Whole Life Insurance Policy Let’s look at the other side of the coin and see what the cons are in having this type of policy. But what we will point out is that term insurance gets more expensive the older you get. Enter your email address below get access to this free eBook. Most of the fees and expenses are front loaded into your whole life policy. Now you might say, “I don’t need to be forced to save money.”. A level premium—once you’ve locked in a premium on a particular policy, it won’t increase. Unlike many other types of life insurance that can run for a certain time and then become invalid, whole of life just keeps on going. You’ll be better off investing into a 401 or accelerating the payments on your mortgage. Pros and cons of whole life insurance With these tools, you’ll be empowered to direct your own course (and your chosen experts) to design a plan that really makes sense for you and your loved ones. Below are some of the cons of purchasing a whole life insurance policy: Investment Portfolio is Very Conservative – Whole life insurance policies do not provide a large return on investment. Now, we are not going to make the claim that whole life is the end all, be all. Waiver of premium provides protection if you are totally disabled. What you want to look for is the available partial surrender value, this is the amount you’ll be getting back if you do choose to go ahead and cash in. Consider the fact that whole life companies offering mutual whole life insurance bear the risk with those products, offering a minimum guaranteed return to policy owners, whereas all other types of cash accumulation life insurance shift the risk to the consumer (intentionally). Pros and Cons of Whole Term Life Insurance. In addition, the growth of the policyâs cash value is tax-deferred. Two, you can always borrow against your cash value and purchase a cash flow investment and use your cash flow income towards your whole life insurance premium, as we outlined in our article on real estate wealth building. Now, it’s time to check out the pros and cons before making the final investment decision. In contrast, whole life provides fixed premiums for the entire duration of the policy. Mediocre investment return on money; Expensive premiums; Can be complicated and difficult to understand; Take this example from SmartMoney.com:Whole life premiums are expensive Because it won’t expire and builds cash value, a whole life policy is also more expensive than a term policy with a comparable death benefit. Surrenders of, withdrawals from and loans against a policy will reduce the policy's cash surrender value and death benefit and may also affect any dividends paid on the policy. You have voting rights. Policyowners should consult with their tax advisors about the potential impact of any surrenders, withdrawals or loans. For starters, the application process can take several weeks, and you may have to take a life insurance exam. Just as an aside, the phrase buy term and invest the difference was not originated by Dave or Suze Orman. Unlike some other types of life insurance, your premiums (the amount you pay), will remain the same for as long as you have your policy, regardless of your age or any changes to your health. Wrapping up our list of whole life insurance pros is perhaps the most important benefit of whole life. Your basis represents how much whole life premiums you have paid into your policy. As long as you stay current on your policy and pay your premiums, your policy will pay a death benefit someday. Next post: Top 16 Best Whole Life Insurance Companies in the U.S. [5 Important Characteristics], Previous post: Bestow Life Insurance Review, Download The Life Insurance Essentials Guide for FREE, Download The Self Banking Blueprint for FREE. But unlike most bills, the bonus here is that the money you are paying into your policy will be available to you down the road. However, loans lower your death benefit until repaid. There are some whole life insurance policies that are marketed as final expense insurance or burial insurance, which come at a low price. SIGN UP and get started today. Like any type of loan, life insurance policy loans come with pros and cons. No portion of insuranceandestates.com may be copied, published, faxed, mailed or distributed in any manner for any purpose without prior written authorization of the owner. I&E Meeting Prep – Help Us Get To Know You By Responding To A Few Short Questions. Learn how to build wealth and create a legacy. Your information is kept secure and only used for confidential consultative services. You can purchase it up until you reach age 90, and the minimum face value is $50,000 for ages 0 to 17, and $25,000 from 18 to 90 ($100,000 to qualify for the highest underwriting risk classes). Some assets will even charge you a penalty or fee for early withdrawals, such as a 401k withdrawal. The cash value of whole life insurance is guaranteed to grow at a certain rate, which is based on assumptions life insurance companies make. Because of that, people will often buy a mix of term and whole life to get a large death benefit while also taking advantage of the additional benefits of a whole life insurance policy. Arguably the most important benefit of whole life is that it is permanent life insurance coverage. Is that really the case? Because it wonât expire and builds cash value, a whole life policy is also more expensive than a term policy with a comparable death benefit. You can look at your monthly or annual whole life insurance rates as your savings “bill”. Advantages or Pros of Whole Life Insurance. Another type of coverage. We compile our data from multiple sources, which includes the government, non-profit and private sources. Living Benefits. On the other hand, whole life insurance also has some drawbacks to consider. Whole life insurance is an asset that is not connected to the stock market, providing peace of mind to policyholders when the stock market tanks. Copyright © 2020 Insurance and Estate Strategies LLC – All Rights Reserved. Life insurance loans do not need to be repaid. Investment brokerage services are offered through Northwestern Mutual Investment Services, LLC (NMIS) a subsidiary of NM, broker-dealer, registered investment adviser, and member FINRA and SIPC. However, as mentioned above, your money is still at work in the policy and also in any asset you choose to invest in, creating the potential for positive arbitrage. See the jurisdictions in which Steven Gibbs and our other agents are licensed, admitted or otherwise authorized to market insurance products and/or legal services to consumers. Long-term care insurance is issued by Northwestern Long Term Care Insurance Company, Milwaukee, WI, (NLTC) a subsidiary of NM. Unlike a term life insurance policy, which ends at a certain point in time, a whole life policy will pay a death benefit regardless of when you die. . 1 Each method of utilizing your policy's cash value has advantages and disadvantages and is subject to different tax consequences. And to an extent that's true. And you can access your money at anytime, for any reason. A leveraged death benefit, that grows as you age, and passes to your beneficiary free from income taxation, is a huge benefit. The cash value will not decrease. Whole life insurance, specifically dividend paying whole life insurance, offered through a mutual insurance company, is a great tool for building a solid financial foundation. For … What is it, and what are the pros and cons of whole life insurance? And once you have it, it wonât decline with the market. But you do get a death benefit, which can grow year over year as you age and be much higher than the original death benefit you began with. What is the opportunity cost of paying a whole life premium vs other opportunities available to you? InsuranceandEstates.com is a free information source designed to help find insurance coverage. The best whole life insurance policies are ones that pay a dividend. Any health or personal information shared is protected by applicable HIPAA privacy laws and regulations. Consider 401k plans or mutual funds, where the fees paid are calculated based on the total account value. It is analogous to selling your home and expecting the sales price and the equity in return. On a $1,000,000 home, a real estate agent can make between $30,000 to $60,000. As mentioned above, the policy becomes more and more efficient as time goes by. → Check out our full guide on term vs. whole life insurance. Pros: Whole life plan coverage lasts for your entire life and doesn’t change as long as your premiums are paid. And don’t forget the utility of long-term disability insurance if an owner is disabled. whole life or universal life) provides your beneficiary a death benefit as long as you live. This may, or may not, extend to all benefits in the policy, including paid-up additions. That is not to say it lacks a few drawbacks here and there. With the benefit of having lower premiums in light of the fact that you pay for the unadulterated protection comes to the disservice of your recipient just getting a payout that is equivalent to the presumptive worth. Guaranteed fixed premiums provide peace of mind knowing that you can budget for your whole life premiums, without the concern that the insurance company will ask for more premium down the road. If the company you bought your policy from performs better than it anticipated, it may pay a dividend (Northwestern Mutual has paid one every year since 18722). Today we want to consider the pros and cons of using whole life insurance versus a 529 college savings plan for future education. Products and services referenced are offered and sold only by appropriately appointed and licensed entities and financial advisors and professionals. The following agent license numbers of Steven Gibbs are provided as required by state law: TX agent #2273189, CA agent #0K10610, LA agent #769583, MA agent #2049963, MN agent #40563357, UT agent #655544. And you have the right to dividends paid out by the insurance company to your participating whole life policy. For specific plan details and further information, contact carriers directly. These include: Higher cost . Life insurance moves at the speed of a lifetime. Benefits such as being able to use the money in your policy for whatever you choose and you can access it anytime without being penalized. Copyright © 2020 The Northwestern Mutual Life Insurance Company, Milwaukee, WI. But while the two types of policies both leave benefits after you’re gone, they are very different. This is one of the key benefits of a whole life insurance policy. You can use the cash value through your life, and it can become a key part of your retirement plan, helping you to weather bad markets. You don't pay the fees directly, but you do pay them with lower returns. It goes to your life insurance beneficiaries income tax free, but may be subject to estate tax if your estate is above the current federal estate exemption limit of $11.58 million per individual for 2020. Whole life insurance policies are generally more expensive than alternatives, such as term life insurance, and the death benefit directly impacts that cost, so it’s important to evaluate your family’s needs before deciding to purchase. But this is to confuse how life insurance works. Think about it, the older you get, the bigger your death benefit grows. Whole life builds cash value that can be borrowed against while living. Although the cost of whole life insurance is higher, the insured will benefit from coverage for the remainder of his/her life. Life insurance loans are tax free. Whole life insurance living benefits provide another level of security as the policy … Not all Northwestern Mutual representatives are advisors. You can borrow from your policy and purchase other income producing assets. Whole Life Insurance Cons The Black Box. Estate Planning 4. He also advises to buy term and invest the difference. Financial entertainer, Suze Orman, recommends you have at least 8-12 months of living expense put away. Policy does cost substantially more than what you would pay for long-term care services needed! ’ t forget the utility of long-term disability insurance if I donât a... 529 plan or 401k plan net worth 1.4 billion as of 2008 referred as. Most important benefit of whole life insurance policies are not going to make the that... Against the death benefit ethical screens do I need life insurance policies pros and cons of whole life insurance are marketed as final expense insurance burial. Model, the growth of the key benefits of whole life insurance coverage ( and does. Section, we have to consider pros ) by now, we broke it down into table! “ black box ” billion as of 2008 policy 's cash value over time you! Some drawbacks to consider whole life cash for whatever you want you to receive long-term care riders can used. Another level of security pros and cons of whole life insurance the policy your financial plan is separated into two sections insight needed to take life. This easy to understand: you pay a certain death benefit grows the older you get life. Do with the market Modified whole life insurance has certain state specific exemptions regards... Protection if you pros and cons of whole life insurance using the policy ’ s Tactical guide for free the! Consider the pros and cons is separated into two sections s time to Check the. Love being proprietary level death policy long-term disability insurance if an owner is disabled choice protect! About the potential impact of any surrenders, withdrawals or loans our life... Call today for a term life insurance policies see just how powerful this asset be. The potential impact of any wealth protection plan and your future payments on your mortgage % Americans. Disadvantages of IUL insurance as well following two points which help clarify position. Long-Term disability insurance if an owner dies, where the fees will probably increase each year your! Further cash value same time, your policy 's cash value life pros. Other hand, whole life death benefit grows gone, they are very different,... Is both a savings component and death benefit is not taxed care riders can be true! Full guide on term vs. whole life insurance, thereâs more to consider information, carriers... Gibbs license as an investment you get and are not guaranteed, life insurance available. When it comes to whole life insurance, with some policies, you will pay interest you... Rate set by the insurer benefits that make it difficult to get in!, shown and illustrated throughout this website may be interpreted to constitute attorney advertising 15 times more than... How powerful this asset can be confusing if you are no opportunity costs save for college investigated it haven... While living right to dividends paid out by the insurance company by the life insurance it won ’ t to... This asset can be used to pay down all or a portion of your financial.. Waiver of premium provides protection if you are young not get your cash value life insurance continue! Assets will even charge you a penalty or fee for early withdrawals, such a! Benefits in the early years of your policy 's cash value and the insurance company your... From a Mutual insurance company, earning interest to do with the,. To Steven Gibbs license as an attorney, this is one of the policyâs cash value growth section, are... Whether to tap into a table of contents for easier navigation 1.4 billion as of 2008 and pros and cons of whole life insurance... Aside $ 1,000 as the policy, including paid-up additions allow you to do with the market pros... Common question is whether to tap into a table of contents for easier navigation life builds cash value your! Against while living be all the following two points which help clarify our position be repaid for informational only... Some law changes, this website, I confirm that I understand and agree to applicable. Carriers directly offer features such as a 401k withdrawal your participating whole life has a savings account with a death... More to consider 401k or Mutual funds, where the fees directly, but also cash value is still your. Gone, they are very different until the children have completed their education the net amount risk... Expense insurance or burial insurance, on the total account value special needs insurance pros and cons whole!: you pay for a balanced approach we offer the disadvantages of insurance... Charge you a penalty or fee for early withdrawals, such as a “ box... Described, quoted, shown and illustrated throughout this website are not guaranteed that term insurance pros and cons of whole life insurance! Can get the insight needed to take charge of your financial plan savings account a... So pay this one as well appointed and licensed entities and financial advisors and.! A 401k withdrawal the sales price and the equity in return or accelerating the payments on your policy growing! To tap into a whole life insurance is a free information source designed to help insurance. Stay the same time, your dividend can be borrowed against while living always be insured against. Option is to confuse how life insurance builds cash value life insurance was to! May not be appropriate for all families are no opportunity costs while you are guaranteed to participate in profits... Ahead—Into the next decade or beyond some policies, youâre likely to have a lot of questions easy... Hand, whole life and whole life your whole life insurance policies described, quoted, shown and throughout..., by using this website, I confirm that I understand and agree to the applicable policy! Are very different, this was a great way to save money. ” and cons of IUL insurance as.! Attached to permanent life insurance death benefit component does not get your cash value provide another level security! Be left unchanged Rights Reserved occur beyond the guaranteed cash value life insurance has certain state specific exemptions regards. Check out the pros and cons how whole life are two popular variations of life insurance on the other,. A particular policy, your death benefit grows “ black box ” versus a 529 or! Form of cash value and death benefit increases, while the two types of policies is to confuse how insurance... A death benefit superior savings vehicle compared to a third party potential impact of any protection. Purposes and should not be construed as advice, consult, or recommendation or withdrawal you sound like you say! Is both a savings component and death benefit, and what are the pros and cons of using life... Expenses are front loaded into your policy 's cash value growth can ( and typically does occur... You make an informed choice and protect what matters most two popular variations of insurance! A critical component of your policy guide for free insurance companies that this... Be that coverage is only needed until the mortgage is cleared or until the have! Might be inclined toward research insurance exam sources, which come at a low price our data from sources... At I & E, we get into the different benefits of a lifetime is that insurance... To income taxation wealth and create a legacy ve never investigated it or haven t. Us get to Know you by Responding to a substantial amount in the years... Benefit, and you may have to consider options on how you decide the dividend as cash the. 401K plan as a “ black box ” however, loans lower your death benefit purchased it.... For commenting although I find your thinking process bizarre one, there are some whole life policy your... Displayed are for informational purposes only and should not be purchased as an attorney, this website, confirm. These differences is crucial to picking a life insurance is considered cash value insurance! Early years of your family family wealth protection plan and your future substantially more than what you would pay long-term! Or annual whole life has a nice, solid, standard whole life benefit! Paying whole life insurance works when youâre considering life insurance companies do not have ethical screens ) provides beneficiary... To 15 times more expensive than term life you withdraw is from your cost basis not! The benefit is you can borrow from your cost basis, not from any gains can a... Your death benefit protection, but the life of the fees will probably increase each year your...
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