Lots of people think they hate life insurance. Often what they really hate is the confusion or the annual price tag that accompanies their existing policy. Those are the circumstances, not the facts. The fact is that life insurance is an underutilized asset in nearly every individual's portfolio. On paper, in black and white, it performs better than just about any stock you'll ever purchase. When life insurance is structured correctly, the internal rates of return are exceptional. If you had a bad experience with a stock broker, or bought equities when you should have purchased bonds, would you completely cease to invest in the markets?