I came back to this thread to see if there was further discussion. I now note that the person who attacked IULs got a mess o' recs. I ask myself, "Why the disparity of recs?"Dave's posts nailed both the math and the logic of IULs. He hit the advantages of IULs front and center, yet those who would rather venture forth in the market, for possibly a few more yield points, without any protection, fully risking their retirement in some cases, are hailed greatly.All Rayvt's posts proved is that if you duke it out by yourself in the stock market, commit to do so for many years and hope your timing is consistently impeccable, you may (not will) earn a bit more than an IUL. But if/when you die, that's all your Estate gets--which, by the way, your heirs WILL pay taxes on, unlike the proceeds of an IUL, which pass to your heirs tax free.Other than obviously Rayvt cannot STAND the thought that someone may earn a commission from the sale of a life insurance policy wrapped around a mutual fund, I don't understand the hostility toward IULs--which hostility, by the way, exists in the general population, if discussion boards like this are any indication.All I can conclude is there's religion in financial matters just as there's religion in other matters, and if your religion is that you're a stock picking warrior, impervious to risk, your ego won't let you consider any other course of action.
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