Buy Term Invest The Difference Apr 2026

: Costs more because it provides lifelong coverage and includes a "cash value" component that grows at a modest, guaranteed rate.

: Compare prices for a level-premium term policy from providers like Policygenius or SelectQuote . buy term invest the difference

"Buy Term and Invest the Difference" (BTID) is a financial strategy where you purchase affordable instead of more expensive whole life insurance and then invest the monthly premium savings in the market. : Costs more because it provides lifelong coverage

The goal is to provide death benefit protection while your family needs it (e.g., while raising kids or paying a mortgage) while building a "side fund" that ideally grows large enough to let you once the term expires. Core Comparison buy term invest the difference