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Cash value life insurance!

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Coach, JV

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38,582 просмотров • 2 месяцев назад •via X (Twitter)

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Americans are dropping their heath insurance and learning that paying cash is way cheaper than paying for insurance Cost for mammogram: $1500 With insurance: ~$800 Without insurance: $95 Paying cash without insurance: $75 This is insane. Health insurance is such a scam!!
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Americans are dropping their heath insurance and learning that paying cash is way cheaper than paying for insurance Cost for mammogram: $1500 With insurance: ~$800 Without insurance: $95 Paying cash without insurance: $75 This is insane. Health insurance is such a scam!!

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An angry caller confronts Dave Ramsey for calling “Infinite Banking” a scam only to walk directly into a brutal financial reality check. ​Caller: “I am calling in response to a video I saw recently that you claimed infinite banking concept was a scam and actually got quite pissed off about it. I do not agree with that, and certain points that you made in that video. And I have set up a policy for my son when he was 1 years old, he's 5 now. Has a 500 thousand dollar face value. We pay 5,373 dollars a year for 13 years, and it's paid up at that point. There's a few points that I wanted to discuss that I just didn't agree with. One of the main things was that... so you claim that the cash value dies with you, and you only get the face value paid out.” ​Dave: “That's true. That is.” ​Caller: “Well, it's not true if you reinvest the dividends back into the policy.” ​Dave: “Dividend reinvestment is not cash value. Dividend reinvestment is because you have a mutual company, and the policyholders are the owners of the company. And so the profits from the company come to the policyholder, and they use that to buy paid up additions. That is not the same as keeping your cash value. That's buying extra insurance with your overpayment.” ​Caller: “But it still works out to be having a cash value much greater than the $69,849 we put into it.” ​Dave: “But the actual cash value, not the paid up additions... the actual cash value dies with you.” ​Caller: “No, because—” ​Dave: “Yes it does. I think... oh, OK.” ​Caller: “But your death benefit is larger than your cash value, so for me, I looked at it—” ​Dave: “Because you bought more insurance! You know what a paid up addition is? A paid up addition is buying additional insurance. I understand that's why you're getting more at death. Not because you got your cash value, but because you used your policy dividends to buy additional insurance. Right? But that's different than getting your cash value. If you took those policy dividends and went and bought a term insurance policy for 100,000, well, you'd get 100,000. But that's not your cash value.” ​Caller: “Well, I have a term policy.” ​Dave: “I know, but you missed my point. You're talking about... you use the policy dividends. You use the money they send to you because you're in a mutual company to buy additional insurance.” ​Caller: “Yes, paid up additions, yeah.” ​Dave: “Yeah, if you'd buy a term policy on the side for $100,000 instead, with that same money, you would get $100,000 more than your face value. But that's not your cash value, that's additional insurance. They're different.” ​Caller: “But right... they are different. In term, you don't have cash value to borrow again.” ​Dave: “I'm aware of that. But your point was that you don't lose the cash value, and my point is 100% of the time, by definition, you lose the cash value.”
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An angry caller confronts Dave Ramsey for calling “Infinite Banking” a scam only to walk directly into a brutal financial reality check. ​Caller: “I am calling in response to a video I saw recently that you claimed infinite banking concept was a scam and actually got quite pissed off about it. I do not agree with that, and certain points that you made in that video. And I have set up a policy for my son when he was 1 years old, he's 5 now. Has a 500 thousand dollar face value. We pay 5,373 dollars a year for 13 years, and it's paid up at that point. There's a few points that I wanted to discuss that I just didn't agree with. One of the main things was that... so you claim that the cash value dies with you, and you only get the face value paid out.” ​Dave: “That's true. That is.” ​Caller: “Well, it's not true if you reinvest the dividends back into the policy.” ​Dave: “Dividend reinvestment is not cash value. Dividend reinvestment is because you have a mutual company, and the policyholders are the owners of the company. And so the profits from the company come to the policyholder, and they use that to buy paid up additions. That is not the same as keeping your cash value. That's buying extra insurance with your overpayment.” ​Caller: “But it still works out to be having a cash value much greater than the $69,849 we put into it.” ​Dave: “But the actual cash value, not the paid up additions... the actual cash value dies with you.” ​Caller: “No, because—” ​Dave: “Yes it does. I think... oh, OK.” ​Caller: “But your death benefit is larger than your cash value, so for me, I looked at it—” ​Dave: “Because you bought more insurance! You know what a paid up addition is? A paid up addition is buying additional insurance. I understand that's why you're getting more at death. Not because you got your cash value, but because you used your policy dividends to buy additional insurance. Right? But that's different than getting your cash value. If you took those policy dividends and went and bought a term insurance policy for 100,000, well, you'd get 100,000. But that's not your cash value.” ​Caller: “Well, I have a term policy.” ​Dave: “I know, but you missed my point. You're talking about... you use the policy dividends. You use the money they send to you because you're in a mutual company to buy additional insurance.” ​Caller: “Yes, paid up additions, yeah.” ​Dave: “Yeah, if you'd buy a term policy on the side for $100,000 instead, with that same money, you would get $100,000 more than your face value. But that's not your cash value, that's additional insurance. They're different.” ​Caller: “But right... they are different. In term, you don't have cash value to borrow again.” ​Dave: “I'm aware of that. But your point was that you don't lose the cash value, and my point is 100% of the time, by definition, you lose the cash value.”

Mide

65,566 просмотров • 1 месяц назад

An insurance broker called into Dave Ramsey’s show to argue about whole life insurance. It did not go well for him. Russ: “I’ve been an insurance broker for 35 years. There are misstatements on your website about life insurance.” Dave: “Sure.” Russ: “You say term is the only product people should buy.” Dave: “We recommend term across the board, yes.” Russ: “There’s no two situations that are the same.” Dave: “There are basic principles of math that are always the same. There’s never a time you should use a credit card. Same thing with whole life.” Russ: “Why would cash value have no standard of return if it’s not a bad investment?” Dave: “Twenty-year level term is about 5% of the cost of the same coverage as whole life.” Russ: “But people need it to cover estate taxes” Dave: “So you get ripped off for 60 years to maybe cover a tax bill?” Russ: “If a policy is arranged properly, the beneficiary gets the face amount and the cash value.” Dave: “No they don’t. Not unless you paid extra to start with. Show me one major whole life company where people actually get their cash value out. They don’t.” Russ: “Fortune 500 companies use whole life for buy sell agreements. Prestigious business schools” Dave: “And they’re all getting screwed at that level too. This is the payday lender of the middle class. You pay 20 times more for the same coverage, build up a cash value you never actually receive, and when you die they just pay the face amount.” 35 years selling it. Still couldn’t explain where the money goes.
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An insurance broker called into Dave Ramsey’s show to argue about whole life insurance. It did not go well for him. Russ: “I’ve been an insurance broker for 35 years. There are misstatements on your website about life insurance.” Dave: “Sure.” Russ: “You say term is the only product people should buy.” Dave: “We recommend term across the board, yes.” Russ: “There’s no two situations that are the same.” Dave: “There are basic principles of math that are always the same. There’s never a time you should use a credit card. Same thing with whole life.” Russ: “Why would cash value have no standard of return if it’s not a bad investment?” Dave: “Twenty-year level term is about 5% of the cost of the same coverage as whole life.” Russ: “But people need it to cover estate taxes” Dave: “So you get ripped off for 60 years to maybe cover a tax bill?” Russ: “If a policy is arranged properly, the beneficiary gets the face amount and the cash value.” Dave: “No they don’t. Not unless you paid extra to start with. Show me one major whole life company where people actually get their cash value out. They don’t.” Russ: “Fortune 500 companies use whole life for buy sell agreements. Prestigious business schools” Dave: “And they’re all getting screwed at that level too. This is the payday lender of the middle class. You pay 20 times more for the same coverage, build up a cash value you never actually receive, and when you die they just pay the face amount.” 35 years selling it. Still couldn’t explain where the money goes.

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She recommends National Life Group for life insurance. I will look into them. Primerica sucks! Global Life and State Farm are good. Black people get some life insurance please! 🙏🏾
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Insurance for every family in Telangana. From June 2, 2026, Indiramma Family Life Insurance Scheme will cover all - no barriers of class or income. ₹5 lakh life insurance for each of 1.15 crore families.
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