Due to the wide variety of life insurance products,investment options and

annuities, with their unique contractual provisions; prospective and current

policyowners and investors experience tremendous frustration and confusion over

the value of life insurance contracts, in comparison with other investment

vehicles and strategies.

Insurance logic dictates that the bottomline is that

neither whole life insurance nor traditional investment vehicles such as

stocks, bonds,IRA's, etc. can replace the other. Instead of relying either on life

insurance policies or conventional investments the public should create a

composite portfolio that consists of a mixture of both.

The importance of this

book lies in its illumination and clarification of the various types of life

insurance policies, annuities and investment options that are sold to the general

public.

Currently many prospective investors and policyowners are confronted with

a confusing array of investment and insurance options.

This book will assist all

consumers in making difficult insurance choices.