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JGWeissman comments on Life insurance for Cryonics, how many years? - Less Wrong Discussion
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I use whole life insurance. If you use term insurance, you should have a solid plan for an alternate funding source to replace your insurance at the end of the term.
I believe the Efficient Market Hypothesis is correct enough that reliably getting good results from buying term insurance and investing the premium difference would be a lot of work if possible at all.