For me the reason for going turnkey was to limit my lack of experience and knowledge of the areas I am investing in and I looked at the premium I was paying as worth it to acquire the things I lacked. 

Traditional route could have more exposure to the market and could potentially sell for a higher price, however there's a premium service that needs to be paid to the agents.

However, this will typically only decrease the monthly premium by a bit. 

I would say take a deeper dive into the nearby product and see if there is a premium in rents for a duplex unit versus an apartment.

So, insurance premiums are getting VERY expensive.Recommend you first figure out the property Class you want to invest in, THEN figure out the corresponding location to invest in.If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.If you buy/renovate a Class A property in Class D area, what quality of tenant will you get?

She has been making mistakes sending the bill for premiums to the correct mortgage companies as well.

Brand new construction rents at a premium. 

@Sebastian Santiago, may I ask if you're using the free version or the premium version?

At less fees and better breakeven/surrender value than Whole Life would force me to.2) Premium riders waived for disability. 

That could greatly increase your premiums or even get you dropped, so don't make that decision lightly!