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Creating wealth through a combination of life insurance and investments can be a strategic financial approach. Here's a simplified overview:

1. **Life Insurance**:
- **Term Insurance**: Provides financial security to your family in case of your untimely demise. It doesn't build cash value but is important for protection.
- **Permanent Insurance (Whole Life/Universal Life)**: Combines a death benefit with a savings or investment component. Premiums are higher but have cash value that can grow over time.

2. **Investments**:
- **Stocks**: Investing in individual stocks or exchange-traded funds (ETFs) can offer the potential for high returns, but they come with higher risk.
- **Bonds**: Bonds are generally lower risk than stocks and can provide a steady income stream.
- **Real Estate**: Investing in real estate properties or Real Estate Investment Trusts (REITs) can yield rental income and potential property value appreciation.

To create wealth through this combination:

- **Diversify**: Spread your investments across different asset classes to manage risk.
- **Regular Contributions**: Consistently invest or pay premiums.
- **Review & Adjust**: Periodically review and adjust your strategy based on your financial goals and life changes.

Consulting a financial advisor is crucial for tailoring a plan that suits your unique circumstances and objectives.