Latest / Inflation and Your Money with Fexingo: Protecting Purchasing Power and Beating Inflation
How Inflation Is Quietly Eating Your Cash Value Life Insurance
Episode 117 of Inflation and Your Money with Fexingo. Lucas and Luna explore how whole life insurance policies are losing purchasing power in a world where the Fed funds rate sits at 3.63% but the average policy dividend yield hasn't budged from 5-6%. They break down the math: if you have $100,000 in cash value earning 5.5%, but inflation runs at 3% and taxes take another slice, your real return is near zero. Worse, policy loans at 6-8% can turn inflation into a trap. The hosts use the current CPI of 332.6 (down slightly) and the 10-year breakeven of 2.23% to frame the challenge for…
The skinny
The skinny isn't ready yet — notes appear once the transcript is processed.