re: Indexed Universal Life Insurance

This is based on what the market did in returns. BTW, what market returns are you quoting?

quote:

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11.3- 3.96 = a tax adjusted average return of..................................WAIT FOR IT....................... .. 7.34%.

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I am telling you what the actual investor did in returns.

quote:

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According to an analysis by Dalbar, the average investor earned 2.1% over the twenty year period ended Dec. 31, 2011.

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I am not arguing one way or the other about the insurance. Although, I will say permanent insurance DOES make sense in some situations. However, as an investment is not typically one of them.