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buy term and invest the difference
Buy term and investing the difference is a concept involving term life insurance and investment strategies that allows individuals to eventually "self Insure" and provides an alternative to permanent life insurance. Generally speaking term insurance premiums are considerably less expensive in the short term than permanent life insurance for an individual for the same benefit amount. Permanent programs are more expensive because they force the policy owner to "Self Insure" by combining some form of cash accumulation with the insurance program as a single package. Consumers making use of the "buy term and invest the difference" concept separate their investments from their insurance by setting aside money every month equal to the premium that a permanent plan would require, then use a portion of this money for the term premium and place the rest in a tax-deferred investment vehicle.
==Cases for and against implementing the strategy==
The advantages of this strategy, if implemented correctly by the Theory of Decreasing Responsibility, are the ability to Self insure and get rid of the need for insurance, immediate accumulation of investment moneys, more investment options that allow for similar tax advantages, and return of cash accumulation. Other advantages include elimination of loans and stability in the death benefit.
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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