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Entire life insurance plans are non-correlated assets. No matter of what happens in the market (supply, actual estate, or otherwise), your insurance plan retains its worth.
Market-based financial investments expand riches much faster but are subjected to market changes, making them naturally high-risk. Suppose there were a third bucket that provided security but also moderate, surefire returns? Entire life insurance is that third pail. Regardless of just how diversified you believe your portfolio might be, at the end of the day, a market-based investment is a market-based investment.
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