1. I didn’t know about return-of-premium riders. This seems a great way for some folks to build savings while simultaneously protecting their family from financial disaster. Off to do some more research…

  2. Term insurance is where the insurance companies make the bulk of their money. The fact is over 90% of the claims are made against whole life policies. I personally have both term and whole life, I bought my whole life 7 years ago at age 25. Now it increases in value more than I put into it each year. I need to make some sacrifices to buy even more.

    • Interesting stats Scott. I didn’t know that. It would be interesting to read up on some theories as to why this is the case.