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Whole life insurance plans are non-correlated assets. Regardless of what happens in the market (stock, genuine estate, or otherwise), your insurance coverage policy retains its worth.
Market-based investments grow wealth much quicker but are revealed to market fluctuations, making them naturally risky. What if there were a third bucket that supplied safety however also moderate, surefire returns? Whole life insurance policy is that third bucket. Despite how diversified you believe your portfolio may be, at the end of the day, a market-based investment is a market-based financial investment.
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