too funny .. just be an investor in 07 and 08... mortality rate was quite high.. most folks on BP not all but most never lived through that debacle. for me I lost millions. so there you go its not all wine and roses.

Both work off of the exact same mortality tables.Also, its not fair to state that the fees will take a 6% dividend down to 5%.

The biggest obstacle to using the DR plan is not the impatience part, it is the mortality part.

Whole life policy's in the past may have been different since mortality rate was a lot higher and whole life offers more stable, generally lower returns and guarantee's but the costs for those guarantees are higher cost.

@Faisal Sami  your in the business of owning and running rentals HUGE difference than the Southern CA investor buying one to 4 rentals ... the mortality rate for those folks is high.. if they choose low end hard to manage properties.. and or choose a poor operator.Ali who is mentioned works with a company called Maverick they choose a very poor operator in Birmingham.. there has been a few threads on people buying through maverick and with this operator who did not even make it a year before the crap hit the fan with rehabs not done rents not paid etc etc.

. :)Here's child mortality for 2007 (sorry, I didn't dig for anything more recent):http://www.childdeathreview.org/nationalchildmortalitydata.htmJust wanna make sure the parents in here know what the real "boogie-men" are...For what it's worth, I used to be a vet tech in my former life...I could probably dig up 66 stories on pit bulls SAVING peoples lives, but then we would really be off on a tangent.

Also there are state guaranty funds that protect life insurance and annuities, most states it is double what FDIC protects in banks.2) Life Insurance companies hire the most intelligent mathmeticians in the world to properly predict needed ROR, mortality rates etc. therefore the empirical basis for insurance and annuities is the most sound out there. remember with Mutual companies they are designed to make you the owner of the policy and the insurance company, profitable.It sounds like you are really busy and do not like spam emails but I think a video might be helpful in one of my previous posts where the IRR is over 5.3% which is tax free.

The policies utilize the same mortality tables and work the same way.

You can 1031 your properties over time until you get to a point/age where you either want to diversify out of REI or just want to get your ducks in a row estate-wise (say when you've got about 20 years left on this mortal coil).

I suppose, in an area, you could run through mortality tables, accident stats, divorce stats, arrest stats, law suits by population, etc. but really, it's not worth the brain damage.