synchronicityII: "Another way of looking at it is the classic "efficient frontier" type of thing - calculate the standard deviation of IUL returns (obviously taking the parameters for a specific product from a specific company), find a mix of, say S&P and bonds (VTSMX and VBMFX, for example) that has the same standard deviation, and then see what the IRRs are for both strategies."I have been largely silent on this thread (but an avid reader) but I think that running any insurance product/IUL with rates other than those actually guaranteed by the insurance company, not those currently available but subject to change by the insurance company at any time for any reason, borders on fraudulent (unless both run), and ignoring possibility of change is ignoring a real risk (as several others have previously noted). Regards, JAFO
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