George, I can see where that would be attractive under some circumstances. The biggest downside is you lose the liquidity of your money.
As for the return on your investment, you don't give enough information to calculate the rate of return, namely how long ago you bought the policy. Certainly the actuaries at the insurance company have figured it out so they're going to make money in the long run, even if they lose money on your particular policy. I assume the benefit must vary depending on how long you live, just as my universal life policy pays nothing if I make it to 62.
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Today's Featured Article - Hydraulics - Cylinder Anatomy - by Curtis von Fange. Let’s make one more addition to our series on hydraulics. I’ve noticed a few questions in the comment section that could pertain to hydraulic cylinders so I thought we could take a short look at this real workhorse of the circuit. Cylinders are the reason for the hydraulic circuit. They take the fluid power delivered from the pump and magically change it into mechanical power. There are many types of cylinders that one might run across on a farm scenario. Each one could take a chapter in
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