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URL:  http://boards.fool.com/kb-wrote-you-did-some-nice-back-of-the-envelope-30465381.aspx

Subject:  Re: Retirement, college, and Obamanomics Date:  1/3/2013  10:54 PM
Author:  CCinOC Number:  71192 of 75340

KB wrote: You did some nice back of the envelope calculations showing that simply buying the S&P index and collecting the divdends beats the IUL strategy with a 0% floor and 15% cap.

Why is 100% safety of one's principal getting such short shrift in this discussion?

Why is no one mentioning the huge tax-free payoff--much more than I put in--to heirs when (not if) I die?

I would much rather have my $100,000 (upfront policy premium) guaranteed against market risk with a 17% cap and a $400,000 tax free payoff to my heirs than collecting dividends that may or may not cause that taxable strategy to be better than the IUL.

But that's just me. I'm a security addict.
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