What should I know about a MassMutual term insurance quote?

What should I consider regarding a MassMutual term insurance quote?

I recently completed a medical exam with MassMutual and was classified as “Ultra Preferred,” which the agent mentioned is their top risk class. They offered me a quote of about $88 per month for a 30-year term with $1 million coverage and $113 per month for whole life insurance with $100k coverage. Since I’m new to life insurance, I’m unsure whether these quotes are reasonable or overpriced. What do you think? I also have Group Life and AD&D coverage through my job at a non-profit, where I plan to stay for the next 10-15 years. Should I opt for term or whole life insurance?

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$88 per month is an excellent rate, secure it before anything changes. If you find a better rate later, you can always switch from MassMutual.

Group life insurance is beneficial but should be seen as a supplement rather than a replacement for a term policy.

Whole life insurance can be a poor investment. Instead, consider investing in a VT ETF monthly; you could end up significantly wealthier than with $100k coverage.

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I located the Ramsey person.

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So, what’s your insightful point?