你不surrender ，他也要charge you 10K processing fee, over about 5 year

There are other charges too, in addition to the premium.

If you willing to pay this charge, then the benefits are following:

1) the cash value in your account is tax free for all future capital gains, so if you can build a sizable portfolio, you can off set the high charge.

2) the cash value in the account is lawsuit safe, meaning if somebody sue you, they can not touch it.

I get into it because above reasons, now I found I am trapped.

I think only <1% people can benefit from this type of account, hope you are those 1%.

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• 谢谢你的 -六月骄阳- ♀ (148 bytes) () 10/22/2014 postreply 15:50:37