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Whole Life Insurance: Borrow vs. Withdraw – Which Option is Right for You?

As a real estate investor, I prefer borrowing against my cash values.

Let’s break down the pros and cons of each option (not exhaustive):



  • Flexibility
  • Skip underwriting
  • Policy growth continues
  • Avoid taxes or penalties


  • Lower death benefit
  • Compounding loan interest



  • Interest-free
  • No repayment issues


  • Permanent decision
  • Slower policy growth
  • Potential tax implications
  • Decreased death benefit

The best choice between borrow vs. withdraw depends on your unique situation.

Curious about how whole life insurance could make you more resilient?

Reach out to me for help:

  1. Becoming a resilient capital keeper with whole life insurance.
  2. Discovering your Blueprint with 1:1 coaching.

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