And of course we all know the mortality rate in RE investing.. 80 to 90% of the folks here on BP will never make any money in RE investing but they go the info for free..

@Dan Brewer   could not agree with your points more... obviously you have experince in the space.. its those that do not have experience in the space that have a very high mortality rate as investors.Those that do well like some have posted live it and breath it.. its their JOB...not a passive investment from one's barcolounger in San Fernando valley  :)

This kind of speculative thinking gives no actual valuable insight into anything at all.I agree, probably most of us mere mortals invest in more than one asset class. 

This minimizes the internal costs of the policy (Lower DB = Lower mortality costs).

Good intentions are fine, keep in mind, people are mortal, things can happen, your key man running a project may not be able to finish up, then what?

A reverse mortgage is probably better when the owner is younger as the value is discounted to mortality tables, at 92, that table only goes to 100, not much of a discount and interest or their yield begins clicking at a higher amount.

For anyone to be culpable for any loss suffered by another, they must have acted in a reckless manner or have been negligent, acts of God such as  storms or natural disasters are not events mortals are culpable for, speak to your clergy for guidance. 

Nevertheless, if you do qualify, the phase-out as well as the 25k limit will disappear.For most "mortals" its likely best to bite the bullet now and use the accrued deductions in the future, as detailed by Jon.

This is the "mortality cost" that agents refer to.

It has the fourth highest infant mortality rate in the OECD, the sixth highest maternal mortality rate and the ninth highest likelihood of dying at a younger age from a host of ailments, including cardiovascular disease and cancer," reports Bloomberg.Per capita health-care spending in the U.S. is more than $9,000.