Most people should just buy term insurance. But here’s the 10% case where the math actually works.If you're just looking for solid, affordable protection for your family, honestly? Save your time. Grab a low-cost term policy, stick the rest of your money into a Roth IRA or a boring index fund, and go enjoy your weekend. That's the "gold standard" for a reason, it works for almost everyone.But here’s the 10% case: Your 401k is maxed, your HSA is full, and your Backdoor Roth is done. You want capital working for you in a tax-advantaged way. You've reached an income level where "tax drag" in your brokerage account is starting to feel like a real anchor on your net worth, and you're looking for a more efficient way to grow "overflow" wealthIUL policies have fees, typically 1-2% annually for insurance + administration (let's not pretend otherwise), but here's the thing: if you're *already* losing 20% to taxes every year in your brokerage, paying 1-2% in fees for tax-deferred growth starts to look pretty good. Especially over 20-30 years. (Results depend on individual tax circumstances and policy performance assumptions.)This isn't some wealth hack. It's literally just math for people who've run out of other tax-advantaged options. For certain high-income individuals, a side-by-side projection using reasonable assumptions may show potential tax advantages over time. Outcomes are not guaranteed and depend on policy performance and tax law.The insurance industry can be shady about fees. But companies like Amplify Life (full disclosure: they're who this is about) built calculators that actually show you both sides, what you'd pay in fees vs. what you'd save in taxes, using your real numbers. Their calculator itemizes major policy charges and compares projected outcomes under stated assumptions.Worth checking if you're in that specific situation. If you haven't maxed your 401k and Roth yet, none of this applies to you.
>>61936267Shut up retard
>>61936267not reading all that shit, buy an ad next time
