Term vs Whole Life: The Math

Term life insurance costs 90% less than whole life and here's why that matters. Most people throw

money at permanent policies thinking they're investing, but you're actually feeding a financial

black hole. The math is brutal. A 30-year-old paying 300 dollars monthly for whole life could

instead pay 30 dollars for term coverage and invest the remaining 270 dollars. Over 30 years at

8% returns, that's over 400,000 dollars in your pocket versus maybe 100,000 in cash

value. You're literally choosing between building wealth and renting expensive

protection you don't need forever. Term insurance covers you when dependents need it most,

then vanishes when they don't. Connect with Megawatts today to design coverage that actually