Life insurance is one of the most commonly owned financial products in the United States, and there is no shortage of internet articles comparing the pros and cons, features, and other characteristics of different types of life insurance products (e.g., term and permanent insurance).
However, these articles tend to focus on qualitative factors and typically avoid any in-depth quantitative analysis. But ultimately, investors care about real dollars and want to know how choosing one type of policy over another will affect their actual financial situations. That is why I have created the following analysis, which compares term and whole life insurance in a quantitative way that I believe should help investors arrive at a clearer conclusion regarding which product is right for them.
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This information is prepared for informational purposes only. The comments should not be construed as a recommendation of individual holdings or market sectors. There is no guarantee that the investment strategy discussed will outperform any other strategy in the future. The views expressed are those of the authors as of the date of publication of this report, and are subject to change at any time due to changes in market or economic conditions.