Example, if I can borrow equity for 6% and I'm in a 25% tax bracket, the actual cost of the money is 4.5%. If I can make 6.5% tax free (universal indexed life). I will make money each year. If I can't sleep without paying down the house, I can use the gain to pay it off or not, as I choose.
Tax savings and redirection of current retirement investment counters the loan payment. If the loan is on a rental, future rent increases can help. Positive cash flow also.
Let me guess.
1. Your a insurance salesmen
2. Your a consumer who bought this product
3. Your filthy stinking rich and have run out of ideas on how to tax plan.