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Posts Tagged ‘whole life insurance policies’

In 1974 the US Congress passed ERISA and began convincing Americans that saving money was a bad idea.  The law they passed convinced us that investing [aka gambling] in an IRA or 401(k) was better than putting our money into guaranteed return savings vehicles.  Americans listened.  Wall Street and the IRS rejoiced.

In 1977 a high school coach convinced thousands of naive amateurs that they were financial advisors and taught them to strip every penny possible from secure whole life insurance policies and – you guessed it  – buy term insurance and invest [aka gamble] everything else in mutual funds.  Americans listened.  Wall Street and the IRS rejoiced.

A few years later one of the Wall Streeters invented a new kind of life insurance that took the money that whole life insurance saved in guaranteed accounts and moved it into accounts that were not guaranteed but that the Wall Streeter could profit from even if the policy owner didn’t.  These kinds of policies destroyed dozens of successful insurance companies and cost billions in  lost savings to American families.  Americans listened.  Wall Street and the IRS rejoiced.

In the ensuing decades Americans listened to advice to invest [aka gamble] in dotcoms, invest [aka gamble] our home equity in all sorts of schemes.  Americans were convinced that carrying debt equal to their investments [aka gambles] made some sort of sense.  Americans listened.  Wall Street, the IRS, and money lenders rejoiced.



America has been listening to the wrong people for almost 40 years.  The results are apparent.  American families and the American government are bankrupt.

You and I can’t stop the Dolts in DC and the IRS from trying to convince us that they can handle our money better than we can, or the wonks on Wall Street from trying to sell us products that make them wealthy and us poor.

We can stop listening to them.  Please, stop listening to the wrong people.  Find old ways of creating wealth, preserving assets, and taking care of your families.

By Jeffrey Reeves MA –

Where do mutual insurance companies keep their money?  Bonds are a staple of mutual insurance company investments.  Opponents of whole life insurance from mutual companies say returns on bonds simply don’t compete with the equity [aka stock] market.


Below is an amazing chart extracted from John Maulden’s Weekly Letter that should make every “buy term and invest the difference” snake oil sales rep rethink his or her position.  The commentary on these raw numbers is extraordinary and I encourage you to read the entire letter.

The commentary does not claim that you should not invest in equities or that your entire portfolio should be in bonds.  It does caution - the Prudent Man Rule trumps the Prudent Investor Rule again in this instance – that you should eschew advice from anyone suggesting that equity investments or mutual funds [stock or bond funds] are the only acceptable alternatives for “the long term.”

Stock vs Bond, Cumulative Relative Performance, 1801-2009

What does this demonstrate relative to whole life insurance?

During the past ten years, a high early cash value whole life insurance policy from one mutual company outperformed the DJIA by as much as 130% – and even outperformed the DJIA based on guaranteed values.  That’s a whole lot [pun intended] better than investment returns from mutual funds.

Whole life insurance policies are reliable financial instruments.  Whole life insurance has proven for over 150 years that it belongs in the foundation of every personal economy.

If your financial advisor suggests otherwise, you might want to find a new advisor.