Stocks and Bonds versus Stocks and Whole Life Insurance

Oftentimes people will ask us how whole life insurance compares to buying passive stock market index funds or ETFs. It's a fair question and one that we've answered privately and publicly in the past. But we'd like to propose an alternative. Rather than a straight head-to-head comparison (which should always favor a higher return for stocks over time), perhaps there's a better way to view whole life insurance and where it fits into your financial or retirement planning strategy. Why not look at using whole life as an alternative to bonds? It produces more cash overall in the portfolio balance - we've always argued this is the point of owning whole life insurance in a cash-focused fashion. It complements the portfolio beautifully. ______________________________________ If you'd like to explore how a whole life insurance policy might work for you, please click right here to get in touch with us. We'd love to help!