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.
Personally my husband and I are doing well.
Did you have something specific to criticize about the approach or a question or are you just trying to wedge in a little personal attack without substance?
And what part of tax planning is it to pay off your home and have no mortgage deduction?