Banks fail. Markets crash. Even governments change the rules overnight. But in over 200 years, not a single mutual life insurance company has gone bankrupt. Unlike banks, they don’t gamble with your money—they hold massive cash reserves and have paid dividends every single year, through wars, recessions, and crises. On top of that, your liquidity is protected from creditors and lawsuits, giving you an asset that is secure, tax-advantaged, and always accessible—no matter what happens.