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They use two key danger-signal phrases in their marketing....

There are a few other signals you are getting a sales pitch....

Multiple use of the word 'Safety'
Multiple use of the word 'Guarantee'
Use of the phrase 'Protect your life' when it involves life insurance
Use of the highest marginal tax rate when calculating the tax benefit of the product
Applying the highest marginal tax rate on increases in value that are not realized

Keep in mind when discussing or listening to presentation on insurance company products....

- The insurer has no more idea what the future markets will do than anyone else and so must asset allocate, diversify and de-risk just like everybody else
- Insurers have lots of overhead to pay along the way
- Insurance companies are GRAND MASTERS of hiding expenses. No entity does it better than they do

BruceM
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