The Whole Life Trap: Why Term Insurance is the Real Wealth Builder
Is your life insurance policy acting as a safety net, or a drag on your financial freedom? For the vast majority of people building wealth, separating insurance from investment isn’t just a strategy—it’s a mathematical necessity. The Pitch vs. The Reality It’s a sales pitch almost everyone hears eventually: “Why rent your insurance when you can own it?” Agents position Whole Life insurance as a “swiss army knife” of finance—a product that offers death benefit protection, tax-advantaged savings, and a way to “bank on yourself.” It sounds perfect. It appeals to our desire for safety and efficiency. ...