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Author: aj485 Big gold star, 5000 posts Feste Award Nominee! Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75540  
Subject: Re: Hi gang... wow!!! Date: 9/18/2013 10:49 AM
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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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