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Entire life insurance coverage policies are non-correlated possessions. Regardless of what takes place in the market (supply, real estate, or otherwise), your insurance policy retains its worth.
Market-based investments expand riches much quicker yet are exposed to market variations, making them naturally high-risk. What happens if there were a 3rd bucket that used safety and security yet also modest, surefire returns? Whole life insurance policy is that third pail. Despite just how diversified you think your profile may be, at the end of the day, a market-based investment is a market-based investment.
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