As for the numbers I put in the spreadsheet, I've danced to your & CC's tune. I don't have a "tune." All I ever tried to do is standarize the comparison.Speaking of comparisons, now that I have a dropbox account and know how to use it, here's an S&P vs. IUL comparison. I don't know how to create an Excel spreadsheet, but the person who constructed this for me appears to be qualified to do so.https://dl.dropboxusercontent.com/u/24845413/S%26P%20500%201..."DB" graduated with honors from Minnesota State University with a major in Mathematics and a minor in Statistics. He now works full time as an assistant actuary at XXX Financial where he supports their annuity line of financial products. He has a passion for mathematics and programming.Qualifications2009 - Assisted Professor Goldstone with determining optimal strategies for a card drawing game, this was applied to his research into how humans naturally learn optimal strategies. 2010 - Won best presentation at Undergraduate Research Conference (URC), research was in population modeling of harvested mammals in Northern Minnesota 2010 - Passed Actuarial Exam 1/P (Probability) 2011 - Won best presentation at URC, research was in optimal control of HIV chemotherapy dosages 2011 - Passed Actuarial Exam 2/FM (Financial Mathematics) 2011 - Graduated with honors from Minnesota State University, Major in Mathematics and Minor in Statistics 2012 - Started working at XXX Financial as an Assistant Actuary
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