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Subject:  Re: Community Question Date:  9/25/2013  1:50 PM
Author:  AngelMay Number:  73307 of 100168

My own takeaway is that an IUL policy involves the buyer trading away all of the upside to market volatility over the course of an investing lifetime, plus dividends, in exchange for a promise of guaranteed payments that can be reduced, or go away altogether, if the insurance company's investments don't hold up or the company goes under. The risk you won't get paid as promised may be small, but the risk you give up great gains because of the cap is not small. So personally, I wouldn't buy one of these policies.

NEVER EVER buy an investment vehicle from an insurance company. EVER. :)

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