Less than I used to be. Tethering cost of insurance and usually assuming an increasing death benefit is kind of risky. If you over fund to the maximum MEC allowable premium it could work. Over 20 years don't expect to make over 6.5%. if you index the SP 500 over the last 100 years it basically would return around 6% annually. Which is great considering its tax free. But, what if they die prematurely? What if the insurance company raises the cost of insurance annualy? Which has been happening over the last 5 years for almost everyone.
