When you don't have anything coming in watching the market take away what you have is so scary I can't begin to describe it. You begin to panic. I always think I'm going to be a brave buckaroo, but I never am.This is precisely why people are open to Index Universal Life policies. In the event of death of the covered spouse, the surviving spouse receives more than the dead spouse could possibly have provided.There are no losses to principal or gains, and there's an opportunity for upside.
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