Further, life insurance companies are regulated by state insurance agencies and required to maintain reserves towards their obligations--this doesn't eliminate the possibility of a life insurance company going under, of course, but it certainly reduces it.Counting of the government for protection, being the cynic that I am, doesn't count for much. Google Fannie Mae and Freddy Mac.I did miss the part about spreading it over 4 or 5 companies. That is smart. I am just not a fan of annuities.JLC
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