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How Inflation Is Quietly Eating Your Cash Value Life Insurance
In this episode of Inflation and Your Money, Lucas and Luna dig into an overlooked casualty of rising prices: cash value life insurance. With the ten-year Treasury yield at 4.3 percent and inflation running at 2.6 percent, whole life policies that promise a guaranteed return of 3 to 5 percent are quietly losing purchasing power. They walk through how inflation erodes the real return on the cash value component, why policyholders rarely notice until they borrow or surrender, and what options exist—like paid-up additions or 1035 exchanges into a fixed indexed annuity. Using the latest CPI…
The skinny
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