Why whole life vs term insurance is (mostly) a bogus debate

Here’s a question you’ve never seen or heard before:

“Should you buy whole life insurance or buy term and invest the difference?”

Wait. What’s that? You say you HAVE heard this question before?

And you say you’re still not 100% sure about which is which and what you should do?

I can relate.

When I got into this business, I was somewhat confused myself.

I discovered it’s a simple question with a complex answer.

But I explain both the long and short of it in my new article:


The tl;dr version is that most people don’t really buy term and invest the difference and when they do, a straight-up comparison against whole life is usually nonsensical with low or zero information content.

Still, it’s a fun way to troll the Internet…

David Lewis, AKA The Rogue Agent, has been a life insurance agent since 2004, and has worked with some of the oldest and most respected mutual life insurance companies in the U.S. during that time. To learn more about him and his business, go here.