re: Everybody wants to sell me insurance...

There is just a bunch of bad information out there mostly out of not understanding what they are looking at. This goes for insurance agents and those who are against the stuff.

Hell, I can design a permanent policy that is going to have a terrible cash value return. It will probably break even over 20 years. Somebody looks at that policy and says it is a terrible investment. They are right. That policy I designed wasn't for cash value growth. It was for Death Benefit maintenance. The premium was significantly lower than a cash value rich policy and is mainly used for Estate Planning.

Its just the nature of the beast.