Life Insurance
How permanent policies differ from term, what cash value really does, and the narrow cases they genuinely suit.
It costs many times more than term for the same death benefit. There's a straightforward reason, and it isn't a markup.
It's sold as one more often than it should be. Here's a straight answer about what cash value does and doesn't do.
One is cheap and temporary. One is expensive and permanent. Here's who each actually suits, without the sales pitch in either direction.
Talk it through
Have a licensed agent walk you through your options.
