Term vs. Cash Value Life Insurance: What Most People Don’t Know

Most people choose term life insurance because it seems simple and affordable. But there’s a catch: term policies expire. After 20 or 30 years, they’re gone — and if you outlive them, you get nothing back.

So what’s the alternative?

Cash Value Life Insurance, often structured as an Indexed Universal Life (IUL) policy, gives you long-term protection and builds wealth along the way.

Key Benefits of Cash Value Insurance:

• Builds Tax-Free Cash Value over time

• Never expires as long as it’s funded

• Can be accessed before age 59½

• Provides both death benefit and living benefits

This isn’t just about insurance — it’s about creating an asset that works for your future.

“Once your term expires, that money is gone. But with a properly structured IUL, the money you’ve put in continues to grow — and you can access it tax-free when you need it.” — Brent Buffone