Blending whole life insurance to maximize its cash value accumulation is a great way to augment the tax-free benefits it provides. But not all approaches to this tweak are a great idea. There is one in particular that can have a particularly nasty consequence that you need to avoid.

We have decades of experience designing whole life policies to optimize cash value accumulation and we know all the secrets and pitfalls. In fact, we started and still maintain the original website dedicated to discussing this aspect of whole life insurance. Today, we want to call your attention to a big problem with level term life insurance riders added to whole life policies.

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