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I was encouraged to buy one by my mom when I just started working and I took out another one a years after. They both have a saving option so I am able to save without actually seeing the money leaving and I can withdraw whenever I want to.

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We just have a normal life insurance policy as the few we came across all looked a little too iffy for us. We have a 401k with the work but we also try to live within our means and I know some people just refuse to do that (not you per say).