What do you need the insurance company for? Ultimately boiled down, just 2 things;1) the superior new money safe return rate from their old money positions, (about 6.5% @ insurance companies, versus 1% DIY,) to anchor the high growth leg of the trade, and2) the much higher allowable contribution limits on inbound tax-sheltered capital (over IRS qualified schemes,) and no timing nor amount demands nor restrictions on tax-free funds distributions.A distant #3 reason;3) the best performing index blends require bank-traded, non-retail option spreads... you can't get them done at CBOE, and a DIY investor is extremely unlikely to have the volume & capacity to get executions through the bank structured-options trading desks.Other than that, Mrs. Lincoln, you can DIY... you just can't meet performance (due to #1.)Cheers,Dave
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