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I'm not an insurance advisor, but having gone through this process with a broker myself, why are you considering whole life insurance at all?
Why not just go with a conventional term-20 policy and save the rest in registered accounts that you can manage yourself? It's cheaper unless you have exhausted all of your other options for reducing your taxes. And if you want to preserve your wealth, it's better to spend a few hundred and hire a lawyer to create a will, power of attorney, etc.
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