Gerardo here, straight outta El Salvador with a fire in my belly and a head full of wholesale hustlin'.

A big FAT smelly NO!

Glenn Daily did a nice piece on why guarantees in a whole life policy are a "big fat idiot" (his words, not mine).

Currently on the market there’s low vacancy rate but who knows if we go into a huge crush and all three of them went belly up (they all have been in business for over 10 yearsAt first I thought 12 months worth of mortgage as reserve but my banker said he thinks 6 months.

My wife and I say that if we go belly up we can always liquidate our assets, move the Manitoba, buy cash and enjoy the sunsets and cold weather! 

The first couple years we thought, hey, he's good and professional, we could go back there, but after moving to different cities and even states, it just becomes obvious its an automated tickle file and there is no real thought behind it.we only used the phone.. we only used mail if it was last resort.. belly to belly..  

IMO, that is a small price to pay in order to double or triple my investments (plus, the extra cash flow per month beats the big fat goose egg I got every month from my Vanguard Roth IRA and brokerage account). 

I also heard a “belly” in the line has to be torn out completely to fix the issue.  

Whatever tools anyone wants to use to employ the key is practice.A 400 pound police officer out of shape is going to have limited effectiveness just like someone taking the arts for decades that teaches but no longer trains and is fat and out of shape.It's not what you learn it's HOW you implement it.

Basically my hell was making some fat-cat across the country rich.