Life insurance isn’t an investment—and that’s exactly why it works.

In this episode, Christian Allen and Rod Zabriskie tackle one of the most misunderstood ideas in personal finance: the belief that life insurance should compete with your investments. They make the case that asking whether life insurance is a “good investment” is the wrong question entirely—and explain what question actually matters.

The conversation breaks down how most people incorrectly compare life insurance returns to stocks, real estate, or businesses, and why that comparison misses the point. Life insurance isn’t designed to be a growth engine. It’s designed to be stable, liquid, tax-advantaged infrastructure that supports everything else you’re building.

Christian and Rod walk through how properly designed high cash value life i ...