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Author: CCinOC Big funky green star, 20000 posts Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 78687  
Subject: Re: Retirement, college, and Obamanomics Date: 12/30/2012 11:30 PM
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I mean, come on, "Receive market-like returns without any market risk
~ Never take a market loss" You really believe this? The risk is an integral part of the market--there is no way around it.

Yes, I do believe it. An insurance product is a contract between the insurance company and the insured. The insurance industry has higher reserve requirements than even banks. If an insurance company says your gains remain your gains and if the market takes a dive your principal is guaranteed, then that's exactly what's going to happen.

I think your "too good to be true" mindset may be keeping you from fully investigating an alternative investment plan that can benefit you.

And, no, I don't think the insurance industry is doing a good job of educating the public about IULs. One rarely sees commercials about this product and the ones we do see aren't very detailed.
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