Real estate investors have unique life insurance needs. Here's what you need to know before you buy a policy.
Fixed death benefit for a set period (10-30 years). Lowest cost. Best for investors with mortgaged properties — if you die, your family can pay off the loans. $1M in coverage can cost $40-80/month in your 30s-40s.
Permanent insurance with a cash value component. Premiums are flexible. The cash value grows tax-deferred and can be borrowed against. More complex and expensive than term but builds permanent equity.
Cash value grows indexed to a market index (like S&P 500) with a floor (you don't lose money in down years). Popular with investors as a "private bank" — borrow against it to fund down payments tax-free.
Life insurance for investors is nuanced. David covers this in depth with every coaching client.
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