The IUL outperforms over large numbers.I don't care about the large numbers. I care only about what I get to keep within the risk I'm willing to take.I happen to believe the U.S. stock market is cruisin' for a bruisin', which is why I have an IUL. If, however, I were willing to gamble in the stock market (via the S&P), I'd probably end up with more to leave to my grandchildren. But I'm very risk averse, so I don't play the stock market without a guarantee, which the IUL gives me.
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