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URL:  http://boards.fool.com/why-is-100-safety-of-ones-principal-getting-30466003.aspx

Subject:  Re: Retirement, college, and Obamanomics Date:  1/4/2013  11:07 AM
Author:  Rayvt Number:  71197 of 78166

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.


You got some good replies -- all correct and all pointing out important factors that you are ei