“To invest successfully over a lifetime does not require a stratospheric IQ, unusual business insight, or inside information. What’s needed is a sound intellectual framework for decisions and the ability to keep emotions from corroding that framework.”
~ Warren Buffett
Life Insurance
Term Life Insurance
- Pure Insurance, no extra stuff added
- If you die, it pays. Cause of death is not a factor
- Death benefit is tax-free
- Least expensive in the initial years
- Premiums increase over time
- Best suited to a temporary need
- Can be converted to a permanent policy with no further underwriting.
Permanent Life Insurance
- Can have an investment component attached
- If you die, it pays. Cause of death is not a factor.
- Death benefit is tax-free
- Growth of the investment is tax-free
- Potentially you can access the cash in the policy tax-free
- Best suited for a long-term insurance need, for estate planning, or for advance wealth building.
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