The Actual Rate Of Return Of Whole Life Insurance

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What is the true rate of return for overfunded whole life insurance? I show exactly what you can expect from this type of policy and also which numbers are misleading. #wholelifeinsurance #retirementplanning #infinitebanking
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Опубликовано:

9 сен 2024

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Комментарии : 31

@polibot1 Год назад

Do you have a breakdown of how an insurance company makes money on whole life insurance? It would be interesting to see how the numbers break down for them…because whether they just make a straight profit or invest the premiums into other assets, I’m very curious what that would look like.

@BetterWealth Год назад

Yeah that could be an interesting video! Thanks for the idea!

@dakotadak100 3 месяца назад

There is another very good reason to have a whole life policy. As I approach retiremet I have been pleasantly surprised to find several years worth of living expenses in my cash value. This allows me to hedge against sequence of return risk after i retire and keep the remainder of my portfolio in more aggressive mutual funds.

@EhteshamShahzad 6 месяцев назад

I have never seen a whole life policy where the cash value is less than the death benefit, but the death benefit grows. The only situation the death benefit does "grow" is when the cash value has caught up to the death benefit. So, it is either or: in case of death the family is paid either the death benefit or the cash value (whichever is greater).

@dakotadak100 3 месяца назад

Since cash value is just equity in a death benefit, it is impossible for cash value to ever be higher than death benefit

@BillyTimes-dw7vs 6 месяцев назад

A whole life insurance policy benefits a person more when he's young. It has time to level out the death benefit. I had a agent trying to sell me a whole life policy at 57yo it sounded good but i looked at it carefully the lst 5years on me paying $500 a month will only benefit their fees and commissions no thank you. I put that money in a 403b account its already at 10k that was a year ago.

@henriqueferreira9470 Год назад

great points, most people won’t get it.

@travis1240 3 месяца назад

It's not wrong to include the initial years of the policy being underwater when calculating the overall return - if you compared it to a more sensible investment you'd have had that money invested during that time,

@Joshwicklund19 Год назад

I’m curious to know the benefits to having a whole life policy/And Asset vs Buying Treasury Bills. Similar interest rates, but the T-bills seem to be more accessible without needing the policy loan. Might be a good video idea!

@BetterWealth Год назад

I'll add this to our idea list! Thank you for the suggestion!

@raysmallbus Год назад

Treasury bills do no have the Life Insurance Component, if all you are looking is an investment instrument, then I suppose treasury bills could be one of those instruments to consider, just don't have the life insurance protection that Whole Life Insurance has to offer.

@marioandultrachap Месяц назад

Soooo if I borrow at a rate lower than my intial rate of return thats not abritrage where the return I'm getting will pay the interest rate? If that makes sense?

@luissancho4752 10 месяцев назад

HELLO SUPER VIDEO, CAN YOU EXPLAIN PLEASE THE BORROW MONEY AGAISNT THE POLICY, IN WHAT TERMS, AND QUANTITY AND COST? THANKS REGARDS.

@sPGgwUxYrSd7Cf5H 10 месяцев назад

In your example in the video, are those numbers reflective of the "guaranteed" or "non-guaranteed" ?

@protex28920 Год назад

How did you calculate the middle column? I can't seem to figure out how to replicate the numbers correctly.

@SoKeepMovingOnward Год назад

How can someone work with your company on a new WL policy?

@BetterWealth Год назад

calendly.com/d/dwz-n4p-sgs?And%20Asset%20Website AndAsset.com/vault if you want more info before booking 😊

@calminquisitive1198 Год назад

(Roth IRA) V (whole life insurance)?

@dakotadak100 3 месяца назад

Both hands down

@coryreedy2752 Год назад

YESSSS!!!! Nice work Caleb!

@BetterWealth Год назад

Thank you! More to come!

@dailstancill720 Год назад

Super...super clear content. Love it.

@BetterWealth Год назад

Appreciate this comment so much 🙏

@dustinsanchezmusic5851 Год назад

Can someone explain how the preiums works for a $50,000 whole life policy? It think they offer was $81/month.

@BetterWealth Год назад

Hi Dustin! Let me know if this video helps answer your question ru-vid.com/video/%D0%B2%D0%B8%D0%B4%D0%B5%D0%BE-dva8FXJEW8o.html

@tomwest6842 Год назад

Awesome video!

@BetterWealth Год назад

Thank you!

@chadripley2776 Год назад

A normal brokerage account will give 8%+ returns on average per year and for most people would pay 0 tax on the deferred capital gains due to the income threshold when you aren't working. It seems that the whole life insurance strategy is only useful for the super rich.

@Oiwiwidh Год назад

You're comparing two very different things. As he states in the video, many times, this is a great place to store your cash. Your investing money should be invested, your cash should be stored in a policy. It's right as a cash storage system for all people, especially middle and lower class folks who are way more likely to pay a LI bill each month than saving money (and not subsequently spending that saved money). Obviously this is dependent on getting a properly structured policy where the LI is small and the cash value is high.