re: Whole Life Insurance, etc

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My policy has never missed a dividend payment

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Lol.
If you saw the fees associated with producing and managing the policy, you'd laugh too.

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I'm sure if I closed my policy early I would be pissed for not investing in something else, but I knew what I was getting and how I planned to use it when I signed up

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That's my only point.
You close off ALL OTHER opportunities when you take on that marriage to your life insurance policy. 30 years is a long time to pretend that other opportunities won't come by.

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At 10 yrs I would get back like 75% of my investment. My policy has never missed a dividend payment and puts a multiplier on the dividend payment tied to that years S&P 500 performance up to 2x so I would imagine my break even will be closer to 12 yrs.

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It sounds like you are bragging that you break even at 12 years. I hate to break it to you, but the best ones set you up at neutral at 7 years. Maybe you have more benefits in the long term than those 7 year options (or maybe it wasn't structured to maximize your return).

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I doubt I will ever touch it, 

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You come off like you are bragging that you don't need the policy at all. It is just something to do with your cash.
I wouldn't enter a marriage with such a cavalier attitude. But we don't have to agree on this one.