That info sheet Dave posted was quite interesting in that it showed fees that were surprisingly low. Only 22 - 25 bps when you combine the premium fee, the policy fee and the mortality charge. After the 10'th year, that is. The first 10 years have some pretty hefty fees.As I have been saying all along, right?'course there is a large implicit, unstated fee in that the policy holder does not get credited with dividends.Sure they do. The dividend yield is reflected in the option spread that determines the caps, which determine the floor-to-ceiling yield.Dave DonhoffLeverage Planner
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