Term and whole life insurance policies 2

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Term and whole life insurance policies 2발음듣기

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I just realized that I didn't answer a question that might be burning in your brain after watching the video on life insurance, where we talk about term life and whole life.발음듣기

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Because in whole life, we talk about the scenario that you can pay this premium your entire life - all the way until the day you die - and so when you die, your family will definitely get the payoff.발음듣기

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So they will definitely get the $500,000 upon your death.발음듣기

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And we also talked about the scenario that if any time before that, you decide, hey, I don't need life insurance anymore, you can stop paying your premium, your family won't get the death benefit in the situation that you were to die, but you would get the cash payout - or whatever is left after the insurance company has taken their fees and set aside some for the insurance component of what they're selling you.발음듣기

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But the question that you might ask, well when you die, what happens to the cash amount?발음듣기

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Because before you die you can cash it out, if you die you definitely get the payoff, but what happens to the cash amount?발음듣기

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And the answer there is, you don't get it.발음듣기

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It's kind of viewed as what's backing up your death benefit.발음듣기

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And what's kind of unfortunate, if for whatever reason, this cash amount is even larger than the death benefit - maybe you live an unusually long amount of time, you live 50 years, or you live to 90, so you're living 50 years from the day that you start the policy.발음듣기

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So you pay $250,000, but you have to remember compound interest, you're getting returns on that year, after year, after year.발음듣기

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Maybe this cash payout becomes $600,000 when you accrue all of the interest, and everything else in it.발음듣기

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Regardless of that fact - although this would be kind of a silly thing for you to do - regardless of that fact, if you were to die, your family would only get the $500,000.발음듣기

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Which really makes you ask the question, if you know that your cash payout is larger than the amount that is going to be paid off if you die?발음듣기

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The best thing is to just stop paying the premium, and get the cash payout, and give that to your family.발음듣기

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Rather than waiting around to die, because this is worse in two ways.발음듣기

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One, you die.발음듣기

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And then the second way, you're actually getting less money.발음듣기

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But just to answer your question, in the event of your death, your family does not see the savings portion, they only get this payout right over here.발음듣기

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