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Bob phillips, ba in sociology. Web modified whole life insurance is a type of permanent life insurance that has lower premiums at the beginning but. Rachel christian is a writer and researcher for retireguide. Web life insurance and annuity products may be issued by the western and southern life insurance company,. Web written by jimmy mcmillan. She covers annuities, medicare, life insurance. Web life events cost of living calculator financial planning when expecting a baby financial planning for a divorce.