While there are current reviews of this policy, Not one individual has bothered to actually take the time to understand what this policy can really do! As the Ninja has stated many times. I will start by pointing out the broad oversights and then we will address the actual errors in the review. That benefit is free as there is no mortality charge. Be aware this is never mentioned in the review. For an individual who is not able to get insurance this would be a home run for legacy transfer. Only someone who does not understand opportunity cost would overlook the amazing return to the beneficiary at any point in the first 20 years. We also have to look at the potential for eliminating the tax drag any investor would have to use a mutual fund or equity position. The savings to the average investor in a tax deferred environment vs. We will get to all that in a moment.

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