Why is that? I didn't get the same impression on the investment side. It's likely not the best investment out there, but if you don't use the investment side up to gains at a minimum of the cost basis you are leaving money on the table. That assumes you would have invested the same money in a brokerage account.

From the podcast and webinar, the deposit fee is a ONE TIME front load fee. Then the nominal fee for withdrawal. With the withdrawal fee it'll likely be best to do big withdrawals all at once vice more frequent withdrawals that get the fee each time. Your gains are then tax free up to the total cost basis. So if Delta paid premiums worth a total of say, $20k over your employment terms you get to withdraw $20k of gains (plus your initial investment amount) while avoiding the tax man. It's like a roth plan with restrictions on how much you can get back tax free. Still better than paying capital gains on all of it, IMO.

The fee load for each investment option wasn't covered, although I thought I heard them say they were no fee. So unless you are using something like individual stocks or FZROX, you're likely to beat out other investment options with even low fees in the long run.

I plan to switch over. I will use the investment side sparingly and where it makes sense to optimize taxes. There are also a couple options for what to do with you investments after you retire. Can use the money in there to keep paying the plan premiums and keep the death benefit longer. Another option is to not touch the investment side at all and pay the premiums yourself. Then when you die your beneficiary will get all of the money, death benefit and investment side completely TAX FREE.

Bottom line, there are options. What is best for each person regarding the investment side is up to them. I personally like tax-deferred/tax-free options. YMMV. I just didn't get the same vibe about staying far away. Love to hear why