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Whole life insurance coverage plans are non-correlated assets. No matter of what takes place in the market (supply, actual estate, or otherwise), your insurance coverage policy keeps its worth.
Market-based investments grow wide range much faster yet are revealed to market variations, making them naturally high-risk. What happens if there were a third pail that provided safety yet likewise modest, surefire returns? Entire life insurance policy is that 3rd pail. Regardless of how diversified you assume your portfolio may be, at the end of the day, a market-based financial investment is a market-based financial investment.
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