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A number of dubious marketing claims swirl around cash value life insurance (CVLI) which includes most any type of life insurance that doubles as an investment. One particularly specious claim is that CVLI is somehow permanent in nature versus term insurance which is temporary. This claim is insidious on a couple of counts.

A number of dubious marketing efforts swirl around cash value life insurance (CVLI) which includes most any type of life insurance that doubles as an investment. I previously addressed the fact that CVLI is often marketed as being permanent in nature despite the fact that the insurance component associated with most CVLI policies tends to decline or even vanish over time and that many people have no need for permanent insurance in the first place.