理财型保险的优势=fat commission for agent, for sure

The rest is based on educated estimate.

Nothing against 理财型保险, however you'd better take advantage of all other tax advantaged saving/investment options, 201/457/IRA.

If you still have spare $$ for invest, go for more option including 理财型保险----the most expensive one.

From a licensed insuarance agent in CA

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