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	<title>Atlanta Planning Guys &#187; variable life insurance</title>
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	<description>Atlanta Planning Guys is an informal blog  in which CERTIFIED FINANCIAL PLANNER™ professional, Cass Chappell , of Chappell Financial Group,  shares his ideas and opinions with the general public.</description>
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		<title>Life Insurance: &#8220;Buy term and invest the difference&#8221; is dead &#8211; Reconsidering permanent insurance</title>
		<link>http://atlantaplanningguys.com/?p=428</link>
		<comments>http://atlantaplanningguys.com/?p=428#comments</comments>
		<pubDate>Mon, 26 Oct 2009 16:27:20 +0000</pubDate>
		<dc:creator>Cass Chappell, CFP®</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Life Insurance]]></category>
		<category><![CDATA[buy term and invest the difference]]></category>
		<category><![CDATA[NLPG]]></category>
		<category><![CDATA[no lapse premium guarantee]]></category>
		<category><![CDATA[Term insurance]]></category>
		<category><![CDATA[ul]]></category>
		<category><![CDATA[universal life insurance]]></category>
		<category><![CDATA[variable life insurance]]></category>
		<category><![CDATA[vul]]></category>

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		<description><![CDATA[In the 80&#8217;s and into the early 90&#8217;s there was a popular theory about life insurance:  &#8220;Buy term and invest the difference&#8221;.
Essentially, you would buy a low cost 20 year term policy and invest the difference in premium (between the term policy and that of a whole-life policy) in an investment account each month.  The [...]]]></description>
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