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Term vs Whole Life: The Math

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Created December 25, 2025

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Video Transcript

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Term life insurance saved my family over three hundred thousand dollars and I'm going to

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show you exactly how. When I turned thirty, everyone told me to buy whole life

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insurance. The agent made it sound perfect, building cash value while protecting

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my family. But the numbers didn't add up. I was paying four times more than

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term insurance for the same coverage. So I did something different. I bought a twenty

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year term policy for a quarter of the price and invested the difference in index funds.

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Fast forward fifteen years and my investment account has grown to over two hundred thousand dollars,

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while my friend with whole life has maybe forty thousand in cash value.

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