I share exactly how the one percenters use life insurance and annuities to their benefit. We compare two investment options: Option A involves investing $1 million at 5% annually ($50,000/year) into an endowment, resulting in a guaranteed cash surrender value of $1.4 million by age 65 with a total gain of $487,Option B uses $500,000 at 5% annually ($25,000/year) to purchase an endowment worth $701,810 in life insurance, with a total gain of $226,The key principle is that the wealthy place money