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  1. M

    Best Term Insurance for smoker w/ no dependents

    @sara1985 Prioritize Term HMO/Medical Insurance if you have no dependents. Term Life/Accident CI may come afterwards.
  2. M

    Insurance question ulit specifically yung x yrs to pay and redeeming current fund value

    @monk58 Oh. That's really a VUL not Endowment. The increasing cost of insurance charges and admin fees will be deducted to your fund value until depleted to zero (unless your fund's growth can sustain it) It's not convertible to term insurance so you need to cancel and apply for a new one.
  3. M

    Insurance question ulit specifically yung x yrs to pay and redeeming current fund value

    @monk58 That sounds like a VUL not Endowment/Whole-Life Insurance. What is the name of the product?
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