>> LOL, so because I said 6% instead of 5.9%, this is the reason we chose to quibble? <<5.9% might be quibbling, but not 5.4%, IMO. That's what you need for inflation protection AND premium refund options.That 0.6% by which it's out of the 6-7% range is rather significant. On a $1 million rollover that amounts to $6,000 per year less than 6% to start.#29
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