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openquote I don’t think any of those are good ways to analyze life insurance, so I decided to reverse-engineer my life insurance policy to see just what the insurer is assuming will happen with it. closequote

Whole Life vs Term: A Controversial New Case Study - Part II 

This article is part 2 of 2, in the analysis of whole life versus term life insurance. Read the first article here. It’s time to break out those costs and investment returns embedded in the whole life policy. This is where most people fall down. But, don't worry. I'm going to walk you through the entire process, step-by-step, and I'll simplify all of the complicated number crunching below. When you buy a whole life policy, you receive a policy illustration, which explains how your policy works. Unfortunately, whole life is considered a "bundled product," meaning the cash value and insurance components are bundled...   read more