Originally Posted by sailingfun

You got 5.75% this year. Now account for where the costs were pulled out and what your real yield is. When you look at what they now claim the policy is worth is that the actual cash value, some form of death value or other nebulous value that can’t be accessed? How many pages is your contract? When did you purchase this policy and if you cashed out today what will you get verses what you have invested? What is the surrender charge to get your money back? I Stupidly bought an annuity from one of the highest rated companies around and offered a 7% guarantee. Never in reality saw anything close to that.