[MysticLlama]

I have come to some of the same conclusions myself, I was kinda curious if there was anyone it *was* working for, and that doesn't seem to be real common after asking around.

I do realize the fees and such are quite high at the beginning, the plan would be to pre-fund it heavily the first couple of initial years to make the curve better.

I do realize the tax gets paid later, but it basically ends up in the end that if you take a bunch out , the insurance covers the gap and the taxes and the thing just kinda goes away. This doesn't leave anything to pass down, but that's not really how I'd want this to work anyhow, there are better ways to do that kind of thing I think.

I haven't got an actual plan in my hands yet, but I'll definately do all the math for a long term situation vs. funding a regular Roth instead.