No. of Recommendations: 2
Yes, "on average" the insurance companies will make out the best here, and the investor gets the worse end of the deal. However, everyone's situation doesn't end up being "average". We aren't always in 10-year bull market runs.

What if someone's main concern really is downside protection, and not so much upside potential and leaving money for heirs? Then would this be a reasonable approach?

Kind of like health insurance: if someone ends up never needing it, health insurance ends up being a bad deal. But for those who do end up needing it, it can literally be a life-saver.

(Playing devil's advocate here. Someone's gotta do it, so flame away.)
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