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Entire life insurance policy policies are non-correlated possessions. No matter of what happens in the market (supply, real estate, or otherwise), your insurance coverage policy keeps its well worth.
Market-based investments grow riches much quicker yet are exposed to market variations, making them naturally risky. Suppose there were a third pail that offered security yet also modest, guaranteed returns? Whole life insurance policy is that 3rd container. No matter of how diversified you assume your portfolio might be, at the end of the day, a market-based financial investment is a market-based financial investment.
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