Whole Life Questions

Hi all,

New agent here and was wondering if anyone knows of a site or document that has done an unbiased comparison of the performance of a cash value whole life policy vs. the s&p 500. Basically looking for some sort of model showing what someone would have in their account had they bought term and invested the rest in the s&p500 vs the whole life account at 10, 20, 30 years.

I am totally fatigued with advisors pontificating how much better the hypothetical client can do buying term and investing the rest without providing any hard data!!!

It would be great if it was a college or university of course whoever sponsored the study might bias the study.

Anyway even if the study doesn't show whole life in a favorable light it would be educational for me at least.

Thank you in advance gentle forum members. :)

MDP

full-disclosure .com
3rd party research firm, 20 yr actual performance from various companies.

Couple this with the annual Dalbar QAIB investor behavior studies. The S&P may outpace every whole life policy over the long term, but that is irrelevant since the average investor loses money and under-performs the market. Given this, a whole life policy from a mutual carrier may be a better bet or at least a wash with lower risk.
 
Thank you Allbuss those are very good resources. In addition your suggested strategy of looking at studies of actual investor behavior is great. Thank you very much.
 
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