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FFIUL is an INVESTMENT, not a pure insurance. If you only care about death benefit, try some other products.

For example I have transace2013(no longer available now) from transamerica, and even added a rider on that for long term care benefits - can convert death benefit for nursing home, etc.

I purchased FFIUL too, as an investment option. Who cares about death benefit? I would have 'borrowed' out all cash value long before I die. The benefit for this investment is that, it guarantees that you have at least zero percent return in any given year.

Also some tax advantages, for example it does not count as your asset when your kids apply for financial aid for college. The drawback is that you need to wait for several years before the cash value outgrows your investment.

Remember, when you take out cash value, it reduces death benefit. So what is your purpose?

Investment or death benefit? I bought two different policies, one for each purpose.

Location: Warren Township, New Jersey

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