I think the major point is taken a little out of context. Everything has its proper time and place. Obviously over the long haul, IUL will underperform. But, say someone retires and a) has a short time horizon due to health or family history and b) can't afford to lose either financially or emotionally. In those limited cases, I think IUL has its place.For me personally, I don't think IUL will be part of the program.JLC
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