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Buy Term and Invest the Difference Revisited

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The decision whether to buy term or permanent life insurance, or some combination of both, is among the most challenging elements of the purchasing process for many people. This study demonstrates that financial analyses which purport to show that the Buy Term and Invest the Difference (BTID) concept dominates the combination of permanent life insurance supplemented with term life are deficient in many ways and incapable of establishing this dominance. It also shows that the assumed financial discipline necessary to successfully implement the BTID approach is an unrealistic expectation for many consumers. Accordingly, it should not be claimed that one approach necessarily dominates the other for all consumers.
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Document Type: Research Article

Publication date: May 1, 2015

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