re: Indexed Universal Life policy. Who has done it?

quote:

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No, always buy term and invest the difference
Show me paper how this is a winning strategy.

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First you show us all why it isn’t a winning strategy. That way we can decipher which elementary grade level we need to dumb the proof of why it is a winning strategy down to.

99% of the time term is going to be better than permanent insurance. Few people actually have a permanent need for life insurance. If your first thought is “that’s stupid because we’re all definitely going to die” then you’re approaching the entire conversation from a flawed mindset.