What type is recommended as best?

Is his house comparison legit?

First, find out your purpose for getting life insurance. If you want it to help build your portfolio/ supplement retirement, and have coverage at the same time, then whole (universal) life is really good, especially if you can afford it. You're young, and if you're not a smoker, and not taking medications due to chronic illness, your rates will be as good as it gets and you can lock it in for life. Term lapses after a certain amount of time, and by the time you need to renew because you actually may have some use for it, your rates will go up by a lot due to age and other potential reasons (chronic conditions, disability, etc.). Think of it as would you rather buy a house now (pay a bit more) while you can qualify for it, or continue renting (pay less) and risk not being able to afford it when prices go up and your income has not quite kept up. Do you want to pay more now but be on rent control forever, or pay less now but you have no control on when and by how much rent will go up.

submitted by /u/Own_Masterpiece9291
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