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Lesson 6
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WL vs Term+Invest
Whole Life
vs
Term + Invest
Comparación honesta 40 años.
Your scenario
Current age
Death benefit ($)
WL premium anual
Term premium 30-yr
WL total rate
4%
6%
8%
Investment return
5%
7%
9%
Años
20
30
40
Compare honestly
Final result
Whole Life
Guaranteed + dividends
Total paid
—
Final cash value
—
DB + accumulated
—
Real IRR
—
Wealth accesible
—
Term + Invest
Term + Roth+401k+brokerage
Term premium total
—
Diff invertida/año
—
Portfolio final
—
DB durante term
—
Wealth accesible
—
Diferencia wealth accesible
—
Consideraciones:
95% familias: term + invest wins.
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