smolkod: "Does anyone have an opinion on using life insurance annuities as a vehicle for saving - for vacations, emergencies, college tuition, just about anything?"Not familiar with life insurance annuities, but generally think life insurance as a savings vehicle is preety far down the list and that anything other than an immediate annuity is also pretty far down the list, with certain exceptions. I have a friend who is a financial planner, who is really pushing this type of investment, and its not something I'm comfortable with.""Friend"? If you are not comfortable do not buy until wither you are comfortable and umderstand what is going on and why it is good in your istutation.Regards, JAFO
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