Life Insurance
Life insurance is a bridge to financial independence — it protects your dependents until your investments can do the job. Learn how to choose the right coverage.
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Term Life vs Whole Life Insurance
Term Life
- Simple, affordable, pure protection
- Match the term to your FI timeline (10, 20, 30 years)
- Once you're FI, you're self-insured — the policy expires when you no longer need it
- 10-15x cheaper than whole life for the same death benefit
Best for: anyone with dependents on the path to FI
VS
Whole Life
- Much higher premiums for the same death benefit
- Cash value grows slowly with high fees
- Agents earn large commissions — creates sales pressure
- Returns lag behind simple index fund investing
Rarely the right choice for most FI-focused families.
The ChooseFI take
Buy cheap term life, invest the difference. Once your portfolio can replace your income, you're self-insured and the policy can expire. That's the whole point — life insurance is a bridge to FI, not a lifelong expense. Whole life locks you into high premiums with poor returns compared to index fund investing.
Reach FI and you've effectively self-insured. Term covers the gap until you get there.
Compare in detailLife Insurance Guides
Guides on term life insurance, coverage amounts, and how life insurance fits into your path to financial independence.
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