90-10 Rule Whole Life Insurance

Some people want to buy a 90-10 whole life insurance policy because they can get higher cash values sooner! That sounds great, but there's extra expense with 90-10 policies because there must be a term insurance rider included in the 90-10 policy, if you want to retain the tax favorable treatment life insurance receives, and term insurance adds cost to a policy.
In this video John presents the advantages and disadvantages of using a 90-10 whole life policy and a balanced whole life insurance policy design.
There is a visual representation at the beginning of this video followed by analysis of policy values, graphs of those values and examples of how 90-10 and balanced whole life policy designs preform over time and a summary of when it could be good to buy a 90-10 policy and when it is not.