Those who dare would reap the reward since there are less competition.
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Actually I decided to focus on RE because there is less competition. Stock market is more efficient and it’s easier to do well in RE.
Too much research and too many hard working stock traders and investors over there.
RE is so diverse and the trading cost is so high. Top of the line smarts do not bother with RE, they can play with options and make millions in seconds
Compete the right way. You can’t beat Wall Street at trading. You buy n hold.
If you insist on trading, adopt this trading approach:
When Mr Market on period, buy from him.
When Mr Market on steroid, sell to him.
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I didn’t know that men can have periods… I certainly have never had one…
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Dang! You are as funny as your vulgar Nazi leader rallying the boy scouts and insulting other people while at it.
I can’t change the illustrations as you acuse me of! Jesus! The illustrations show the assumed results depending on age, health and premiums, that’s the only way I can change them if needed to by inserting any change to age or health condition/premiums. Anybody caught, if they could, changing the illustration software is going down to jail town. If you think I am capable of that, just to show it to ignorante people on the subject like you a hacked illustration, man, you are really dumb! Jesus!
So, get out of your ignorance, shame on you, you work in the high tech industry but show no education on the matter.
For me saying there weren’t fees or whatever, don’t be dumb! You are the one saying the commissions were what? 40-90% on the first years? What the hell! Didn’t you read that out of $4K on a given premium, $1K, even less, is the COI? The rest, the $3K are yours! After 10 years, you put $4K, you loan out $4K and you still have $4K left in the policy. So much for the 90%…
Now, with the mumble jumble of disability, you know what that means, right? It is not long term care. Like life insurance and its living benefits, you need to get disabled/sick to get the benefits. I bet you haven’t read the fine print of your “they guarantee the rate and coverage if I leave the company”…LOL
$1K in 20 years in an IUL can give you at least and I say “at least” $100K a year returns for the rest of your life or until age 120, whichever comes first. And if you die, without any loans, probably $20-$50 million death benefit to your beneficiaries…Tax free. Not bad against your $800K after taxes. Duh!
Please educate yourself, I can’t. I tried, but it seems I am talking to a janitor in your building. Oh, we have ex-janitors in our company doing more than what you do in a year.
“Who knows what you did to create that table”? Ha ha ha haaaaaaaaaaaaaaa
Gee! I am going to apply for Apple now, or maybe turn myself into a hacker, I can program! Yahoo! 
Thanks for that bigly title Marcus! I am going on my way to apply for a high techie position. Any opening in your janitorial division? 
Your “illustration” is nothing more than doing PV, FV, Rate, IRR, and PMT functions in excel.
You conveniently forget to mention that if you borrow from the policy, then you get charged interest which lowers your rate of return.
As for commissions, I’ll just go with this which uses financial data to calculate them.
The fact you don’t know commissions and COI are different is a bit troublesome.