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Cynthia is with us in Charleston South Carolina hi Cynthia how are you Im awesome how are you just the same how can I help Im a question I have a for a retirement account I have an indexed universal life with a death benefit and is that something I know you dont like whole life policy is that Index universal licensing you would keep no no and heres a simple thing when you combine investing and life insurance together the investments never perform like they should because they get feed to death as they walk down the hallway of the life insurance company thats what it comes down to and the insurance ends up being expensive because its all wrapped together and its very hard to undo it unless you really know a lot about the business its very hard to take the two parts of the investment part and the and the insurance stuff apart and look at them and go wow that sucks ooh that sucks oh this thing double sucks you know and and thats but Ive been doing it for years and so heres wha
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