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Perm vs. term: Whole life-funded retirement plan comes out on top

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Buy term and invest the difference!

That slogan, long the mantra of multi-level marketing giant Primerica and like-minded distributors of term insurance, is founded on a simple premise: that consumers should purchase only term life insurance to cover income replacement needs; and that savings used to fund a retirement nest egg should be ploughed into vehicles ­— stocks, mutual funds, ETFs and the like — that are more cost effective or better performing than permanent life insurance.