Wow Ted….i hope many read your comment!!! Thank YOU for sharing this…
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Some thoughts to share on the universal….its rather safe, there’s a minimum interest gained and when one considers market fluctuations over long period 20+ years, they do very well. My cash value is quite healthy…but it’s not an investment. I’ll never use it and well if I cash it…I still lose. (The premium over the 15 years I’ve paid is now about 2000 more than my CSV…so it’s not too far off but, my children would each receive a very nice sum if anything happened to me and they are young)….people still think it’s an investment, I don’t. It’s a gift to my children and that’s it. If and when it pays, there’s no stock that could ever give me interest on that premium to guarantee that size benefit. Just not possible. That’s where being decisive and planners makes the difference….but….

I’m a big proponent: to each his own. Everyone has a different take…world is nicer living and let living! 🤗🤗🤗….it was nice to hear your mom benefit helped you both, I must say—I just like the gift aspect a lot.

Cheers my friend!