Perhaps the worst PF column in the WSJ

[G]

Looks like one of those advertisements masquerading as news.

[ajm184]

Someone is going to predict a 30 to 40 year tax deferred return.  Then they predict a tax rate for a future RMD that is 'too high' and the 'solution' is an overpriced, poorly performing asset that a person is locked into.  Talk about punishing a person/family for maximizing saving early, often, and smartly over time.....

http://www.cetusnews.com/business/Anticipating-High-Taxes-in-Retirement--Consider-Cash-Value-Life-Insurance.ryZ6QDAXkTUZ.html