No. of Recommendations: 8
spinning writes,

Over any reasonable timeframe, this portfolio almost never has less money than the premiums minus the fees. My conclusion is that either I made a mistake, the Monte Carlo calculator is wrong, or the IUL guarantee is virtually worthless.

There's no free lunch. The more you lose to fees, the less you have.

And the S&P500 dividend confiscation in an IUL is the cruelest fee of all.

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