StackedLife - Authorized Infinite Banking

14: The True Cost of Term Insurance


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Is term insurance to blame for the fact that every generation essentially has to start from zero, financially?

In this episode, I break down the real financial math behind term insurance versus whole life insurance, revealing how a seemingly 'cheap' $1,100 annual term premium can actually cost a family over $43 million across three generations. I'll show you why comparing these two types of insurance requires understanding net compound costs, not just premium prices.

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  • (00:00) - 113 The True Cost of Term Insurance
  • (00:14) - Introduction to Asset Classes
  • (01:10) - Renting vs. Owning
  • (02:29) - Understanding Cash Value and Policy Equity
  • (04:08) - Grade School Math vs. Financial Math
  • (05:58) - Net Compound Cost of Term Insurance Premiums
  • (11:08) - Generational Impact of Expiring Term Death Benefit
  • ...more
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    StackedLife - Authorized Infinite BankingBy John D. Perrings

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