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Message
re: Indexed Universal Life policy. Who has done it?
Posted on 7/27/23 at 6:59 pm to HailToTheChiz
Posted on 7/27/23 at 6:59 pm to HailToTheChiz
quote:
give me some cons!
Your "investment" is being bled by the cost of a potentially permanent life insurance policy.
No gains for 6+ years while the insurance company subsidizes the cost to produce the policy for you (aka opportunity cost).
Someone at some time may feel like they came out ahead (i.e. they didn't have any life insurance already, they were going to buy an extended term or permanent life insurance policy anyway, and the guarantee is good enough to offset the horrible time value of money horizon at origination for any other market driven investment opportunity which most certainly would outperform the guaranty due to the extended duration of the plan).
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