@@CashFlowArchitects in zero circumstances does it make sense to design a policy that requires 15-20yrs to reach it’s dollar for dollar goal, regardless of age. Doing that prioritizes the death benefit (commission to the agent).
These are sold to people who lack financial wisdom and are easily scared of investing which is why they don’t have much money which is why people without much money own these because it’s an easier sale. It’s a vicious cycle except for the salesman who is selling a product and not an investment.
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