My wife convinced me that we need to get some life insurance in case something would happen to me and I would die. But, I do not know anything about it and want some questions answered before I agree to anything. First question: what is the difference between whole life insurance and term life insurance? Second question: Is there any way of cashing in a life insurance policy in case of an extreme emergency? Third Question: What happens to the money if I outlive the people that are the beneficiaries of the policy? I don’t know if I can fully trust salesmen to answer the questions because they want to sell at all costs. 

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