Whole life insurance return year 2 is negative 97.68 percent. Policyholder pays $13,890 and loses nearly everything

Appreciate the critical comments. More context was needed for this post.

• This policy was proposed to a 35 yr old
• Pitched as the best wealth tool
• Told they could borrow whenever

Not all insurance is bad. This was not remotely suitable.

— Ryan Greiser, CFP® (@ryanOpulus) May 11, 2025

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