Hi PSUE,IANCC, but have some perspective;Don't IULs have their own favorable tax treatment. Yep.Why do you think 401k and IRAs have risks of government intervention but the IULs won't be affected? 401Ks, IRAs, and other IRS-qualified accounts are overwhelmingly individually owned... they are the money of the hoi polloi, who mean very *VERY* little to politicians in terms of controlling war chest contributions.Cash value life insurance is overwhelmingly owned by banks & corporations (read as 'TBTF' controlling organizations) who represent the *majority* of politicians' war chest funders. AKA "The PuppetMasters."The safest possible place for anyone is to be the flea on the back of the controlling elephants.Dave
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