So this article came out recently, and it was even more annoying than Investment Moat’s ‘The True Reason to Choose Term Life Insurance Over Whole Life’.

It was so annoying that I’m writing this at 1am, and I started at about 9pm

(okay I watched some Youtube videos)

At least Kyith’s article continually attempts to show that it is his specific opinion, and he’s open to being wrong about a bunch.


I’m going to shed some light on why I think this article is potentially harmful and wrong to be taken at face value.

And you don’t have to take my words at face value either: but at least it’ll be a proper alternative opinion – that hopefully comes from a former consultant that other consultants regard reasonably well. Incidentally, the company that lost the most money last year (GE) also had the highest claim rate (88%).