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Todd Langford

Oct 23, 2026

0:00
Whole life insurance is probably one of the most misunderstood things out there really.
0:03
And you know, one of the primary things that gets commented on is it has a terrible rate of return.
0:08
And so what we're gonna look at is what the real rate of return is.
0:11
And we're also talking about time.
0:13
It's not about just today.
0:15
If it is about just today, then this is really the wrong tool to be using, right? If we're talking about over a lifetime, that's a whole different picture.
4:46
time frame.
4:46
So it's an important piece.
42:39
He's such a nerd.
42:43
Whole life insurance is probably one of the most misunderstood things out there really.
42:47
And you know, one of the primary things that gets commented on is it has a terrible rate of return.
42:52
And so what we're gonna look at is what the real rate of return is.
42:54
And we're also talking about time.
42:56
It's not about just today.
42:58
If it is about just today, then this is really the wrong tool to be using, right? If we're talking about over a lifetime, that's a whole different picture.
47:29
time frame.

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