Originally Posted by higney85

I’m planning to run that illustration when I get some time. For easy math let’s say my current imputed is $1150/yr in income. Let’s make math easy and say marginal tax rate is 30%. Current plan is costing $350/yr in taxes. The GVUL imputed drops that to $350/yr and a tax bill of $105. So a $245 difference a year in my cost for the same coverage (subject to go up in each 5year age band). Now, if I put $245/yr into a 4% investment, minus a 2.25% fee… at a guaranteed 4%, for 27 years, and adjust the imputed amount to be the difference… what would that be? What about the investment options, after fees? Gotta run the math.

I don’t see any pilot hurt by going GVUL. The investment side becomes do you want to “be your own bank”, build a cash value to keep paying the premiums when you retire, or just save in taxes for the rest of your career. Enrolling makes complete sense, the rest needs some time with a spreadsheet and everyone’s numbers and outcome will be different.