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re: Whole Life Insurance??
Posted on 1/29/10 at 12:15 pm to JWS3
Posted on 1/29/10 at 12:15 pm to JWS3
quote:
Upon you death, they pay the face value of the policy, not the face value + the investment balance. The investment portion dies with you
Correct. However, the death benefit has grown as well as the cash value, and, it has grown at a higher rate than the cash value, so, in most cases, the death benefit would pay out MORE than the original death benefit plus the cash value (investment part, as you referred to it).
1
Posted on 1/29/10 at 12:49 pm to kjheath1
what about term life with return of premium? Sure it is a higher price, but there is no chance you lose your investment. Sure, you could make more investing the difference, but I have looked at it as a super safe investment that allows you to be more risky with some of the other investments.
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