#IRR

2 articles

Whole Life vs Buy-Term-and-Invest: $383K vs $95K at Year 20

The same $8K/year, two different paths. Whole life delivers $95K cash value at year 20; term + index fund delivers $500K death benefit + $383K portfolio. The unbundling premium is real.

'Pay $60K, Get $100K' Is a 2.6% IRR. Here's Why.

Insurance brochures advertise the headline gain. Run the same numbers as IRR — accounting for the fact that you paid in over 20 years, not all on day 1 — and the return drops to bond-fund territory.