Most people get life insurance completely wrong and it’s costing them their future. In this episode of Money Isn’t, John Smallwood breaks down the truth about whole life insurance: what it is, why it matters, and how it can be a powerful tool for long-term wealth, tax-free income, and market-proof retirement planning.
Forget the one-size-fits-all advice. Term insurance may seem cheaper, but it often leaves people unprotected when they need it most. John exposes how traditional financial strategies fail under real-world pressure, and why a holistic plan that includes whole life coverage can safeguard your income, protect your investments, and build lasting security.
Chapters:
0:00 – Why Most Financial Plans Fail
2:23 – Breaking Down Complexity in Financial Planning
5:06 – Outdated Strategies That Undermine Your Future
7:47 – How Insurance, Tax Strategy, and Wealth Planning Work Together
44:10 – Using Whole Life to Build Real Financial Strength
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