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Which life insurance is best for me?

This is for usa I am 20, my husband is 22, we have no kids yet. We currently rent an apartment, plan on having a baby in a year or two and buying a house in the next 5-6 years. We want a life insurance that is not to high monthly and will really help one another out if one of us were to die, becuase we dont really have family that would step in and take care of things, im thinking 100,000

   








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