If you’re ready to get the best life insurance for the best price, then I’ve got a secret here about the cost of whole life insurance you need to learn about FAST.

Everyone asks, "How much does whole life insurance cost?" But that's the wrong question.

A quick secret for success in getting the best life insurance policy: a properly structured whole life insurance policy creates cash value that is an ideal place to store cash.

Note: We aren't talking about your typical, off-the-shelf whole life product. Rather this is whole life custom-designed for Privatized Banking, with maximum early cash value and long-term growth.

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The point of this secret is: whole life insurance is tough and enduring insurance, PLUS a knockout savings tool on steroids.

It starts out the gate with high cash value. But you won't have access to as much as you've put in right away. Once you overcome the minor lack of liquidity in the very first years, you reach a crossover point where you have more cash available than you've put in. 

Starting at that point, there's no more cost to you, and every year afterward for the rest of your life is growth.  Yes, there are internal costs to the policy, and we'll discuss those in a minute, but what matters is how it impacts you.

As a wealth creator, here's what this really means: as soon as you switch your lens from a short-term to a long-term - dare I say multigenerational life-time focus - whole life insurance becomes the most robust and extravagant savings tool imaginable.

Table of contentsWhere Whole Life Insurance Fits in the Cash Flow SystemWhat Do People Mean by 'Cost'?Breaking Down the Real Value of Whole LifeCash Value Growth: Your Money on SteroidsLiquidity and Access: Using Your Money While It GrowsGuaranteed Benefits: What You Can Count OnCost Comparison: Whole Life vs. Term + Invest the DifferenceWhat Actually Happens Over 30 YearsThe Reality of Term InsuranceWhy Whole Life Wins Long-TermTax and Estate Planning BenefitsTax-Advantaged GrowthTax-Free AccessLegacy Planning AdvantagesWhy Framing Matters: Expense vs. AssetThe Bottom Line on Whole Life Insurance Cost

Where Whole Life Insurance Fits in the Cash Flow System

Life insurance is great, but it's not the one and only thing for financial success. Rather, it's one step in your journey to time and money freedom.

That’s why we’ve developed the 3-step Business Owner’s Cash Flow System as your roadmap to go from just surviving, to a life of significance, purpose, and financial freedom. 

The first stage is the foundation.  You first keep more of the money you make by fixing money leaks, becoming more efficient and profitable. 

Then, you protect your money with insurance, legal protection, and Privatized Banking.

Finally, you put your money to work, increasing your income with cash-flowing assets.

What Do People Mean by 'Cost'?

When people say whole life insurance is "expensive," what exactly do they mean? Usually, they're talking about the average cost of whole life insurance premiums. That's the amount you pay each year to keep your policy going.

And honestly, I get why whole life premiums seem high at first. When people see the premium amount, their first reaction is often, "Whole life is too expensive."

But here's where most people make a complete mistake. They focus on the premium without understanding what that premium is actually buying.

The word "cost" implies you're paying money and getting nothing back. Like when you pay for gas, that money is gone forever.

But that’s not what's happening with whole life insurance. Because when you understand what's included in that premium, the whole conversation changes.

Breaking Down the Real Value of Whole Life

Cash Value Growth: Your Money on Steroids

Compared with other savings tools, specially designed whole life insurance gets better growth with a 3 – 5% internal rate of return over a 20+ ye...