Caleb Hammer
Region: US
Saturday 10 January 2026 21:47:54 GMT
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KevinCoolridgeTX :
Term life insurance - $35 a month. Whole life insurance $350 a month.
2026-01-11 03:11:51
921
Kris :
Wait wait!!! Somebody have to elaborate on why life insurance is a scam
2026-01-10 22:31:06
630
byshshsmsj :
He’s wrong for this. When you have a family that depends on you, life insurance is worth the payment
2026-01-11 00:02:20
5731
Zacl :
Only 2% of term life polices pay out. The other 98% expire.
2026-01-11 00:56:18
719
JW3G :
This is a form of scare tactic. A whole life insurance policy main purpose is NOT to grow and earn you interest. It is to leave money behind to your loved ones that has a perk of growing as well. It’s not an investment tool
2026-01-11 20:05:18
310
davidrupp50 :
The amount of people in here defending whole life is crazy. 95% of the time it’s only good for the person who sold you the policy
2026-01-11 06:36:27
906
Arrick Morris :
Buy term invest the difference
2026-01-10 22:02:43
157
RossToneS :
your parents should get coverage for you, not the other way around
2026-01-10 23:03:54
219
MeHi :
Whole life is the best if you’re a whole life insurance broker and trying to convince people it’s the best investment ever.
2026-01-11 13:11:05
56
Dan Melleady :
I think she has the right idea, but you can do the easy math on term insurance at a later age and still pay less potentially. Pay attention to your health.
2026-01-10 22:25:03
194
HOLLY :
Life insurance is probably the only insurance that isn’t a scam. I have so much peace of mind that if something happened to me and my husband my daughter would be 100% financially taken care of.
2026-02-17 15:29:16
23
Bronzebubble :
Life Insurance changes people lives for the better. No amount of $$ can replace a loved one but at least you are able to grieve without having the extra stress of how you are going to pay bills, kids education, mortgage/rent etc… when you are not prepared that is why you see Go Fund Me, car washes, fundraisers etc…
2026-01-10 22:49:43
129
Danny :
As someone who rides motorcycles, life insurance is super important
2026-01-10 23:54:37
164
Nurse :
Term life is there so you build enough wealth to self cover... it's not an investment tool it's there to take care of your family if you die. Hello?
2026-01-11 00:04:44
46
Ashmben :
I pay $72/mo for my whole life plan that I got when I was maybe 24. I’m 38 now. I will never get rid of that policy. I believe life insurance is for your family to use when you pass to cover expenses and any debts.
2026-01-12 02:55:52
16
Daniel McCully :
You'd get more money for your mom from your 401k paired with a term life insurance plan.
2026-01-11 04:52:13
12
Garrett :
Your better off just investing and having your family be the beneficiaries. Whole life is a scam, fees going straight to the insurance company.
2026-01-11 16:36:56
26
Sherman :
Whole has its place, is a tax free bucket. If the market dips, pull from Whole Life, if market is up, pull from investments. Whole Life is not inherently bad, just has a place in overall planning
2026-01-10 23:17:56
91
Rosa L :
I’ve had whole life insurance since age 21 and I got one for all my kids. It’s sooo worth it. Price never changes, accrues interest and it’s added to the principal benefit plus you can always take out a loan 💵 if you wanted too. You don’t need a million dollars a small policy is cheap… people always think you need a lot of insurance and you don’t
2026-01-11 00:54:47
106
kaylathemodel :
He is incredibly wrong. Having a whole life insurance policy is the best thing you can possibly do.
2026-01-11 14:04:26
10
Dylan. :
Financial adviser here. If you compare the death benefit of term vs whole life, you’ll pay much higher premiums on the WL policy and cost of insurance will degrade your cash value. Buy term to protect your family, have a 6 month emergency fund, everything else goes in the market.
2026-02-22 00:13:51
8
vonbonmcp :
Whole life insurance, bought when the person is young, is so much better than term, which at any time they can refuse to extend your term policy.
2026-01-11 03:39:08
26
Veridant :
Whole life makes a lot of sense if you get it young. Its cheaper to get it young, and the plan builds equity and eventually will pay for itself...if the agent didn't lie to me and fool me lol.
2026-01-13 09:16:23
10
Jazz :
I got my kids whole life insurance it’s not a ridiculous amount 25,000 if they pass before 18 and 50,000 if they pass anytime after but if they live for 100 years and pay it for 100 years they’re/we’re not even paying half of what their family will get it’s only about $200 a year
2026-01-10 22:33:34
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