Share your insights or perspective on the financial matter presented in the input.

What kind of life insurance is cheaper? I'm not sure about term vs. whole vs. universal, etc
TL;DR: Only term is pure insurance and is the cheapest.  The rest are mixtures of insurance and savings/investment.  Typically the mixtures are not as efficient as doing it yourself, except that there can be tax advantages as well as the ability to borrow from your policy in some cases.