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Jan 5, 2022

On this episode, Jake and Gino bust the myth of preferring Term Life Insurance over Whole Life Insurance and investing the difference in premium separately. According to research done by Penn State University, more than 90% of Term Life Insurance policies are actually terminated or converted, and less than 1 policy out of 10 survives for the entire period for which it is written.

As you have likely heard, ‘buying term- invest the difference’ refers to a strategy of comparing the cost of a cash value whole life insurance policy to a term life insurance policy with the same death benefit, and investing the difference into the stock market, instead of letting it accumulate as cash value within the whole life policy. The problem is, most people don’t actually end up investing the difference.

Our specially-designed whole life policies provide coverage for your whole life. It’s okay if you have purchased another type of life insurance before hearing about this concept. Gino himself even bought both term life and indexed universal life insurance before learning how to use this whole life strategy. It’s never too late, and you can still benefit from becoming a 100 Year Real Estate Investor.

Speak to our team today to find out more!

Key Insights:
00:00 Introduction
00:36 Should you buy a term life insurance policy?
01:26 99% of term policies don't pay out, per a Penn State University research report.
04:32 Why Gino prefers Whole Life policies over other types life insurance
06:04 Why even the Banks are opting for Whole Life insurance policies over Term Life insurance
07:04 The ‘early mover’ advantage
07:58 Learn how Dual Asset strategy can work for you

As per Investopedia, "Term life is “pure” insurance, whereas whole life adds a cash value component that you can tap during your lifetime. Term coverage only protects you for a limited number of years, while whole life provides lifelong protection—if you can keep up with the premium payments." (Read more here:

If you want to learn more how our specially designed Whole Life Insurance Policies can help you achieve your financial goals, schedule your call with our Team member now:

About The 100 Year Real Estate Investor
The Whole Life Insurance Policies offered by the 100 Year Real Estate Investor are specially-designed. This means they work harder toward achieving your financial objectives, no matter what they may be. Check out this blog for 7 facts about our specially-designed strategies that may not be true about typical whole life policies:

About Jake & Gino
Jake & Gino are multifamily investors, operators, and mentors who have created a vertically integrated real estate company that controls over $100,000,000 in assets under management. They have created the Jake & Gino community to teach others their three-step framework: Buy Right, Finance Right and Manage Right®, and to become multifamily entrepreneurs.

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