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Real Estate Vs Life Insurance for Emergency Liquidity

Texas is a homestead state, where your primary residence can be a protected asset from bankruptcy & law suits. But you still have to live in it. While sky rocketing real estate prices are the norm now in North Texas-- Dallas, Highland Park, University Park, Frisco, McKinney, Plano, Richardson, Allen, Fairview, Southlake, Princeton, Farmersville, etc., just because it is now, doesn't mean it always will be.

It's good to be diversified. Life insurance and their cash values also are creditor protected but are much more liquid for much needed cash when market cycles inevitably turn down, and of course you don't pay property tax on them!

Do you have this option available to you? This isn't the main reason for life insurance, but it is a great feature.


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