Dave Ramsey
Region: US
Monday 18 May 2026 14:10:00 GMT
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McKay Sobotka :
What he says about “3 years of no cash value” is completely false btw. Not sure how he gets away with lying so easily
2026-08-27 22:02:46
0
ALI_B3AR :
If you have a Term policy, and out live it, doesnt all that money you paid just disappears leaving you old and in worse health and looking for a new policy that will cost too much IF you can even have coverage (at this point the likelihood of pre-existing conditions are high).... so at 40yo now, what kind of life insurance do i get? Im so confused!
2026-05-21 00:11:22
9
Jeff :
Dave is very smart on most things… soooo many false statements on WL and much to learn. My first yr premiums, 70% of that was available and the death benefit grows as the cash value does so you do technically get both
2026-05-19 01:09:21
18
Lexy Miquela :
Term is like renting an apartment, you lease it and when the contract is over if you want to renew they raise your payment and WL is like buying a house it builds equity (cash value) & you own it for the rest of your life and price stays the same. You can also take loans against your policy and use that for whatever you’d like
2026-05-19 00:38:07
48
Miss taneasha :
Mine only grew $7000 in 10 years. It was trash so I canceled and threw it into a Roth
2026-05-19 03:50:55
53
Lisa :
So are you saying you can never get the cash value, even after three years?
2026-05-19 19:27:22
11
omar_cisneros9 :
Only 3-5% of all terms have ever payed out
2026-05-18 21:08:15
41
L L Little Larry :
What if you bought the policy for your child when they were one or two years old and face value of policy is 250,000 but payment a month on that is only $7.45
2026-05-18 19:49:07
13
SissyG :
so u want term? I'm confused
2026-05-18 18:04:31
25
XLRP :
Okay, but how do you get term life?Insurance that covers old people
2026-05-18 18:07:44
6
anabolic.technician :
75% of what he said for whole life is not true the first 3 years thing is wrong it’s not even close to 20 times more expensive, 2 times is more accurate if that. Also a lot of whole life pay cash value and death benefit. Term is good if you have a lot of debt that you don’t want to burden your family with but 97%+ of term life’s don’t pay out. So you talk about percent of this and that so in reality you pay and never get anything out of it
2026-05-19 13:39:06
18
Josh :
Wait, did I miss something? If I understand you correctly then insurance is a scam? Pretty sad isn’t it?
2026-05-19 02:28:49
8
ftd_tony :
every single insurance company is rich because of term policies. they never ever pay out
2026-05-19 11:15:32
7
Amy Golden Bandle :
I paid into it for 9 years and now dont want it but I loose everything
2026-05-20 01:26:56
5
NamelessMike :
*Disclaimer* Dave’s target audience is people in financial trouble/debt
2026-05-19 00:38:30
19
Bunny2188 :
and if you live past the term of your term life account, you get nothing
2026-05-19 19:50:08
6
guochengwu3 :
20 year life insurance life term mutual fund worth it ?
2026-05-30 06:50:52
6
Leigh Henson :
A. R
2026-05-27 22:54:10
6
Luna the Golden :
Thank you so much!! You answered my question!!!
2026-05-18 22:15:24
11
That Dad :
I have car insurance..... I never had an accident..... they dont pay me anything back and I pay thousands a year.... hmmmm
2026-05-19 00:35:24
7
Austin Green :
It all makes sense when you realize he owns a term life company
2026-05-19 03:10:36
8
dleonard.7 :
I generally respect a good chunk of what Dave says, but every single point/statistic he attempts to make here is just…incorrect lol.
2026-05-19 01:57:37
12
Jon :
Lmao that’s just not how it works
2026-05-19 03:43:39
11
Kyle :
Long story short, buy term life insurance invest the difference in cost between whole life and you will have much more money in the end
2026-05-19 16:21:48
5
Ryan Dunner :
This is 100% false
2026-05-28 03:27:38
5
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