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Entire life insurance coverage policies are non-correlated assets. Regardless of what occurs in the market (supply, genuine estate, or otherwise), your insurance coverage policy preserves its worth.
Market-based investments expand wealth much faster yet are revealed to market variations, making them inherently risky. What happens if there were a third bucket that provided security however also modest, guaranteed returns? Entire life insurance policy is that 3rd container. Despite exactly how diversified you believe your portfolio might be, at the end of the day, a market-based financial investment is a market-based investment.
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