It's an issue of frequency. Exec Life is the only example of a fixed life company failing that you or anyone else has found (maybe some other failure as escaped the internet... but that's even less likely.)But that's different than the 'no risk' you have touted.And then there are the risks of insurance companies unilaterally changing terms, because they can't meet the terms they sold you. That happens, too.http://online.wsj.com/article/SB1000142412788732434580457842...Companies changing terms include AXA, Hartford and Transamerica.As I said.... the two strategies are not even in the same universe regarding risk.Carry on. I'm sure that all IULs will be perfectly safe, and nobody will ever lose their money or get shafted by insurers changing terms, so your risk management plan will cover all bases.AJ
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