The super wealthy in America have been using the Insurance Industry in America as their own personal piggy banks since the start of the industrial revolution. When you do it right you can use this same practice to protect your money all the way until retirement.
This is more than just a garbage insurance strategy. This is about investing your money in a way that the fat cats on Wall Street don't like. It's low risk, high reward.
You can use cash-value insurance to stockpile wealth and prepare for a rainy day without paying taxes.