Why Buy Term and Invest the Difference Might Be a Mismatch Short pt. 2

Many people ask whether adding a chronic illness rider to a term policy solves the limitations of term insurance. On the surface, it can sound like a simple fix. But timing and policy design matter more than most realize. Term policies are built to expire after a set number of years. In many cases, chronic or critical illness benefits are most likely to be used later in life. When coverage ends before those benefits are needed, adding a rider may not address the underlying issue. This short explains why policy duration, timing, and structure play a critical role when comparing riders on term versus permanent policies, and why some “fixes” don’t always line up the way people expect. This is Why Buy Term and Invest the Difference Might Be a Mismatch Short pt. 2 This content is for educational purposes only. Insurance features, riders, availability, and costs vary by carrier and individual circumstances. Important note: Accessing chronic illness rider benefits may reduce withdrawal accessibility. Availability and impact may vary by policy. Policy provisions apply. Book a call: book.biaggilife.com/talk-to-frank-page Or call Frank at (707) 584-3482 #lifeinsurance #terminsurance #insuranceeducation #financialeducation #financialliteracy #insuranceplanning #retirementplanning #longtermplanning #moneyeducation #personalfinance