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Entire life insurance policy plans are non-correlated properties. No matter of what occurs in the market (stock, genuine estate, or otherwise), your insurance policy maintains its worth.
Market-based financial investments grow wealth much faster yet are subjected to market variations, making them naturally risky. Suppose there were a 3rd pail that supplied safety yet also moderate, guaranteed returns? Entire life insurance policy is that third pail. No matter exactly how diversified you believe your portfolio may be, at the end of the day, a market-based financial investment is a market-based financial investment.
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