I would have to agree with TheBadger. I fall into the group of people who believe that insurance products are not good investment vehicles unless one is looking for another way of investing after having maxed out all tax-free and tax-deferred methods as well as holding individual stocks. Max out the 403 and begin funding a Roth IRA when able (up to $4,000/year since you're married). Then, if you're comfortable with it, buy and hold stock in great companies. There are better ways of investing for your future than through insurance (although some on this board obviously have a different opinion). Pretty cool forum don't you think?
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