People often ask if “buy term, invest the difference” strategy works.
Back in the day, if you bought annual renewable term and actually invested the difference at 6–12% returns, you could outperform whole life insurance. But that’s a big if—most people don’t invest the difference.
Whole life is built for guarantees, not performance. Even earning 8%, the internal rate of return might only net around 5.9% by age 95.
So yes, you can beat whole life—but only if you’re disciplined enough to invest the difference and stay the course.
There’s an even better way to set aside money in a tax-free vehicle: IUL.
If you’re serious about long-term, tax-free growth, claim a FREE copy of The LASER Fund at laserfund.com. I’ll cover the book—you just cover shipping!
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