When it comes to life insurance, or the concept of "Cheaper" it can often be expensive to be cheap. 

While Term Life Insurance may be the most the lower monthly expense, a lose/lose scenario is hardly a win. Meaning that exercising a Term-Life insurance Policy means you either lost someone, and in the event you do not you simply threw that money away, making this hardly the "cheaper" options. You are in effect, getting nothing for something if it expires worthless.


However considering that most people are a flat tire away from financial devastation, having something in place in the event of a loss is better than potentially losing someone only to lead to a complete financial loss.

For those in such situation, typically a "Term Life" coverage for the least amount per month possible is best. 

If that's not feasible perhaps final expense + Mortgage protection is.

If one cannot afford burial expenses it stands to reason a mortgage, property tax or current rental market is even less so.

For those who's whole life becomes somewhat unfeasible, Term Life may be the best most immediate solution.



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Mutually held Whole Life insurance companies where started all the way back before the 1840's. That is far before Lincoln was assassinated and more importantly, before The Federal Reserve. 

For those who know anything about Capital Endeavor or R.L Dante & Co., Ruben Landon Dante: 

He ran for U.S House of Representatives on ending the evils of the Federal Reserve. With a background in finance and complex derivatives, he understood the mechanics of "The Fed" better than most, to say the least. 

That is to preface, that when the Fed Cartel's created "The Creature From Jekyll Island" [The Fed], what they themselves did, is stash their own money in...

You guessed it, "Mutually Held Whole Life Insurance". 

This is where which ones and how to Structure and use them could become a bit more dynamic and why we encourage you to contact us for a free consultation. With that said, amongst other things, Whole life insurance could be used as a form of your own personal bank, a could be great feature in this interest rate environment, doesn't evaporate upon term and more.

Could be a bit of a Frankenstein, but Index Universal Life could be pitched as an investment vehicle that mimics the indexes often the S&P 500.

Why? 

Because while companies may come and Go the S&P is a composite of top "U.S" 500 Companies routing up the top best and therefore seen as the performance benchmark Marker. 

From a Competitive Advantage to investment standpoint they may not be best because "Participation" is often capped beneath 100%. 

Meaning if the S&P is the index and the S&P is up 100% but one has a participation rate of 80%, that person only captured 80% of the up move. 

On top of that, Cap rates overlay the participation rate capping the upside even more and that's not including fees. 

Finally, IUL's often stack yearly renewable life, on top of the investment vehicle, meaning every year- the cost of our life insurance will go up, and accordingly, the premium. 

Therefore ballooning year over year the cost of life insurance, whom is also then eating into your investment portion. 

However for some people that have maxed out other retirement vehicles, IUL's could be used for Tax deferrals, maybe at the lowest "Death Benefit Payout" for the highest accumulation, to then borrow against later at a lower rate than the tax possibly would be. 

All in all, it could make sense for a few, but we recommend contacting us and see if its something that may be the best financially sound opportunity for your situation.