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SVTPerformance's Chain of Restaurants
Road Side Pub
Whole life insurance
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<blockquote data-quote="CV355" data-source="post: 15905642" data-attributes="member: 181885"><p>From how I understand it, term locks you in at a lower rate the younger/healthier you are, but doesn't necessarily gain cash value.</p><p></p><p>Whole life / permanent / universal gains cash value, so it's a viable means to transfer wealth if 401(k)/roth/etc are maxed out and you're looking for ways to transfer without tax burdens.</p><p></p><p>I have two $250k term policies. I keep telling my wife she should run me over so we both win, but she doesn't want to do that for some reason.</p></blockquote><p></p>
[QUOTE="CV355, post: 15905642, member: 181885"] From how I understand it, term locks you in at a lower rate the younger/healthier you are, but doesn't necessarily gain cash value. Whole life / permanent / universal gains cash value, so it's a viable means to transfer wealth if 401(k)/roth/etc are maxed out and you're looking for ways to transfer without tax burdens. I have two $250k term policies. I keep telling my wife she should run me over so we both win, but she doesn't want to do that for some reason. [/QUOTE]
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SVTPerformance's Chain of Restaurants
Road Side Pub
Whole life insurance
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