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25 Year Look Back on EIULs
Manage episode 200809329 series 2131124
BawldGuy audio with Jeff Brown and our guest Dave Shafer.
http://bawldguyinvesting.com/wp-content/uploads/2017/05/0035_BawldGuyAudio_JeffBrown_DaveSchaffer_25yrLookBackonEIULs.mp3Topics:
Let’s compare the last 25 years to what regulations force us to use in predicting tax free income via an EIUL.
1. Let’s look at a 32 yr old healthy woman giving $500/mo indexed to inflation as a premium. 30 years with 30 years of income. How much using the regulated return? How much using the empirically historic return of the last quarter century?
2. Same comparison: 45 yr old man for 15 yrs wanting a 30 yr payoff period.
3. Same comparison: 50 yr old woman puts $500k over 4 yrs and a day equally. What would be her 30 year payoff beginning at age 65? 4. Same comparison: A 21 yr old who starts with a premium of $100/mo and except for the inflation index, never unitlaterally increases that amount regardless of his rising personal income. He does this for 44 years, which finds him receiving income starting at age 65, for 30 years.
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