this post was submitted on 06 Oct 2025
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Funny enough, if somebody offers you insurance that builds cash value, even though the sound of it does make sense you should probably run.
I've never heard of this. Why should I run?
The price of insurance only covers the statistically predicted amount of payoffs to all people insured plus a profit. If you're building a cash value, then that's priced in, with more profit priced in for them on the equity youve built. You're better off pocketing the difference.
Right, I would assume it’s an investment vehicle with the extra margin built in. This is why insurance should only be in the largest pools with no profit interference and only the lowest administrative overhead possible.