Uploaded March 2026 | Updated September 2026, 2 days ago
Anytime someone would ask what the internal net cost of whole life insurance would be I'd have to reply with, "unfortunately, that's not possible to know." Until now! I cracked the code and created a mathematical formula that can tell you what the internal cost of whole life insurance is. I also go through four of the biggest carriers, Penn Mutual, Mass Mutual, Guardian, and Lafayette Life, to compare which company is most expensive over the life of a policy.
Want Whole Life Insurance? Click Here To Meet Our Team: bttr.ly/aa-yt-clarity
Want Us To Review Your Life Insurance Policy? Click Here: bttr.ly/yt-policy-review
Want Free Life Insurance Education & Resources? Unlock the Vault: bttr.ly/yt-aa-vault
Learn More About the And Asset: bttr.ly/andasset
00:00 - Introduction to Net Internal Charges
00:48 - Understanding the "Drag" and "Lift" on Policies
03:42 - How Charges are Functionally Assessed
05:53 - Policy Design and Assumptions for Comparison
11:39 - Annual Internal Charges Comparison Across Carriers
14:11 - Total Cash Value Growth and Long-Term Efficiency
17:09 - Detailed Carrier Observations: Penn Mutual and Lafayette Life
19:54 - Detailed Carrier Observations: MassMutual and Guardian
22:08 - Consistency of Performance (2025 vs. 2026 Data)
27:40 - Whole Life vs. High-Yield Savings Account (HYSA)
32:03 - Comparison Observations
38:17 - Final Framework and Summary
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DISCLAIMER: bttr.ly/aapolicy
*This video is for entertainment purposes only and is not financial or legal advice.
Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
Anytime someone would ask what the internal net cost of whole life insurance would be I'd have to reply with, "unfortunately, that's not possible to know." Until now! I cracked the code and created a mathematical formula that can tell you what the internal cost of whole life insurance is. I also go through four of the biggest carriers, Penn Mutual, Mass Mutual, Guardian, and Lafayette Life, to compare which company is most expensive over the life of a policy.
Want Whole Life Insurance? Click Here To Meet Our Team: bttr.ly/aa-yt-clarity
Want Us To Review Your Life Insurance Policy? Click Here: bttr.ly/yt-policy-review
Want Free Life Insurance Education & Resources? Unlock the Vault: bttr.ly/yt-aa-vault
Learn More About the And Asset: bttr.ly/andasset
00:00 - Introduction to Net Internal Charges
00:48 - Understanding the "Drag" and "Lift" on Policies
03:42 - How Charges are Functionally Assessed
05:53 - Policy Design and Assumptions for Comparison
11:39 - Annual Internal Charges Comparison Across Carriers
14:11 - Total Cash Value Growth and Long-Term Efficiency
17:09 - Detailed Carrier Observations: Penn Mutual and Lafayette Life
19:54 - Detailed Carrier Observations: MassMutual and Guardian
22:08 - Consistency of Performance (2025 vs. 2026 Data)
27:40 - Whole Life vs. High-Yield Savings Account (HYSA)
32:03 - Comparison Observations
38:17 - Final Framework and Summary
======================
DISCLAIMER: bttr.ly/aapolicy
*This video is for entertainment purposes only and is not financial or legal advice.
Financial Advice Disclaimer: All content on this channel is for education, discussion and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of information on this channel. Neither host or guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.
