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Entire life insurance coverage plans are non-correlated properties. No matter of what takes place in the market (stock, real estate, or otherwise), your insurance coverage policy retains its worth.
Market-based investments grow wealth much quicker however are subjected to market variations, making them inherently dangerous. What happens if there were a 3rd bucket that used safety but also modest, surefire returns? Entire life insurance policy is that third bucket. 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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