Everything Professor
Region: US
Tuesday 03 February 2026 06:25:21 GMT
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friendlyfire416 :
Life insurance should not be looked at as an investment. More like car insurance, paying for the risk of leaving you family with nothing and debt.
2026-02-04 00:50:11
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user9045909283258 :
finally someone made a video about this scam works !! i cant believe ppl fall for this..never sign up to something you dont 100% understand
2026-02-04 09:27:09
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viralclipstikok :
Insurance agent here 🤦🏽♂️Life insurance is NOT an investment. If you pay $300 this month and pass away next month, your family could receive hundreds of thousands of dollars. You didn’t “grow” that money — you bought protection. It’s a just in case plan.
2026-03-06 07:20:50
119
tmoney :
umm then you're using it wrong. I have a cash value policy that is now worth 3 times as much after exercising the policy several times. the goal is to use it, pay it back with interest and boom it doubles its cash value. I use mine to buy real estate.
2026-02-08 05:24:38
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Apone :
Term life insurance provides coverage for a specific period of time such as 10, 20, or 30 years. If the insured person passes away during that term, the policy pays out a death benefit to their beneficiaries. However, if the term ends and the person is still living, the coverage expires. At that point, you would need to apply for a new policy if you still want coverage, and the premiums may be higher based on your age and health. It’s also important to understand that term life insurance does not build cash value, so the premiums paid during the term are not returned.
2026-04-06 00:43:06
1
user8421144961945 :
My parents bought while life insurance when my mom got into her 80 therates shyrockets like 60k a year, total fraud. We did the math if she lived like six more years we would have paid more in premiums than the death benefit was worth.
2026-02-06 04:28:46
66
Josh Hester :
Calling it a scam isn’t necessarily true, this video compares apples to oranges in terms of return by leaving out risk. But for middle class people it’s generally not a great deal.
2026-02-06 21:06:16
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PinkAKArose08 :
Buy the whole life while you’re young. Term life premiums go up and becomes unaffordable at a certain age.
2026-02-06 19:41:19
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Ador Flores 2.0 :
The problem with term insurance is that once the term is done (5-10yrs) you apply again, and if you have a health condition that gets your application denied - you’re no longer insurable. Huge loss as well
2026-02-04 19:33:43
104
JerrellWylie :
Insurance is for security not income
2026-02-07 03:39:20
131
Keagan Marten :
life insurance is not a scam, if youre only getting 3% a year then you're with a bad company, normally whole life shoupd be getting anywhere from 5-7% dividends each year, you can also borrow from it tax free and only pay the interest back. thats it. a roth or brokerage can make more yes, but roth has penalties for withdrawal and brokerage taxes you on profits heavily, truly you need both accounts, term is the ultimate scam because you're just renting the insurance and if you die after your term runs out you get nothing after paying all that time
2026-02-17 01:20:37
9
John :
This is Primericas pyramid scheme selling term life lol
2026-02-11 16:10:36
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Dan :
Can you not borrow against it and then have that taken off your death benefit instead of paying it off?
2026-02-03 20:33:23
12
Figs :
Nah term insurance once its over and you have some kind of medical condition, your rates are trash. And most likely, everyones gonna have a medical condition
2026-02-06 02:01:22
16
Nan Hawkins :
🤷♀️We just invest our own money and pay for our family members' funerals....totally skipping the insurance companies!
2026-02-07 00:46:42
22
MarvDigga :
Insurance Agent here, What other investment will pay a return like a Life Insurance policy 1 day after you purchase? I’ll wait. Get Term for Generational wealth transfer, and Whole for a burial or possible Gift for a child later. Just some of my Opinion.
2026-03-04 12:43:23
18
raydragunas :
WL is how Kennedys and other wealthy families create generational wealth
2026-02-04 06:22:25
19
susanboozinfofusan :
This is a good litmus test for any financial planner. If they pitch you on this, run!
2026-02-07 11:45:04
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mick-pnk :
Just do deferred comp. You can borrow against the money you put in and you can have them invest the money for you.
2026-02-05 19:47:06
5
gvbriel :
Life insurance agents are 100% lower than car salesman lol
2026-02-08 22:21:47
10
🌒🧌 :
IUL > Whole life
2026-02-11 12:35:12
22
JT :
What if i already got the whole life policy? How do I get out of it
2026-02-04 02:50:59
13
isaac.Valles :
Term life insurance 🔥
2026-02-06 22:58:46
14
hustyyyyy :
WHOLE LIFE INSURANCE IS ONLY USEFUL IF USED AS AN MRI. YOU'RE WELCOME
2026-02-04 10:22:45
9
Stay tuned :
@Stay tuned: Term Insurance disappears when you actually die so by the time you’re more likely to die you’ll have no life insurance to pay taxes and everything because when you have to dispose of all your assets.
2026-02-04 22:08:21
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