Latest / Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation
How Inflation Is Quietly Eating Your Life Insurance Cash Value
Episode 148 of Inflation and Your Money with Fexingo digs into a corner of personal finance most of us ignore: whole life insurance cash value. Lucas and Luna unpack how a 2.28 percent ten-year breakeven inflation rate and a 3.63 percent fed funds rate shape the real return on a policy that promises a 'guaranteed' 4 percent. They walk through a concrete example: a 45-year-old with $100,000 in cash value, a 4 percent credited rate, and 3 percent inflation — and show why the real return is barely 1 percent. They also compare IULs, variable life, and term-plus-invest, and explain why…
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