No. of Recommendations: 0
My criteria was/is crystal clear,

That's funny.

and doesn't involve drawdown, only the end result when retirement actually arrives.

Then, as pointed out numerous times, a B&H of an S&P 500 index fund has consistently beat the pants off a hypothetical B&H of a fund tied to the S&P 500 index level but with annual caps of 0% to the downside and 12% (or even slightly higher) on the upside, over any long term time horizon.

I'm going to repeat that this is a separate issue from whether or not an Equity Indexed Universal Life insurance product (or a standard Variable Universal life product, or really ANY life insurance product) is a good fit for a prospective client. There are a number of objectives an individual may wish to attain, and life insurance of some form may be an appropriate tool (or even the best tool) to meet at least some of those objectives. But that is a much more complex and nuanced discussion that I don't feel comfortable making in depth on an internet discussion board.

Print the post  


The Retire Early Home Page
Discussion on accelerating retirement day.
What was Your Dumbest Investment?
Share it with us -- and learn from others' stories of flubs.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Community Home
Speak Your Mind, Start Your Blog, Rate Your Stocks

Community Team Fools - who are those TMF's?
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.