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Entire life insurance plans are non-correlated properties. No matter of what happens in the market (stock, actual estate, or otherwise), your insurance policy maintains its worth.
Market-based financial investments grow riches much quicker yet are exposed to market fluctuations, making them inherently high-risk. Suppose there were a 3rd bucket that used safety and security but likewise moderate, guaranteed returns? Entire life insurance policy is that 3rd container. No matter exactly how diversified you assume your profile might be, at the end of the day, a market-based investment is a market-based financial investment.
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