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People always ask, should I get term or permanent life insurance at age 50? In most cases, my professional recommendation is to explore permanent life insurance first. Here is why. At 50 and beyond, term insurance becomes riskier. Premiums increase rapidly. Health can change unexpectedly. Conversion windows close. And when a term policy expires, many people are left either uninsurable or forced to pay much higher rates. Permanent life insurance is designed to last your entire life. It does not e
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