Term vs. Whole Life Insurance Part 2

Term Life Portfolio and Whole Life Cash Value

  • Whole life values are created from more positive 2015 estimates compared to 2018 estimates
  • Whole life withdrawals are taken out tax-free while withdrawals from the term life portfolio are taxed fully at 30%
  • Term life policy premium went up with inflation while whole life premium stayed constant
  • 3-year market decline worse than The Great Depression

Historical Returns

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