Several years ago, folks on this forum provided extensive advice to me as I was first authoring the Visible Policy site:
- formatting linkIt is a detailed analysis of my whole life insurance policy from New York Life. I should update it each year as a new annual statement arrives, but for various reasons I let that slip for a number of years. For the past couple weeks I have been playing catch up, and now it includes all 14 of the statements received to date.
I've also done some cleanup here and there, fixing broken links, extending the list of "frequently asked questions", and added a simpler spreadsheet just tracking actual performance over the years. I have not, however, updated the more complex spreadsheet with various models. So many of the curves on the site still need to be updated. However, the "current" chart has been updated, and it tracks the actual performance of the policy, comparing it with a BTID strategy. Suze Orman might be surprised ...
At any rate, the site is still completely non-commercial, and I continue to take pains to approach the subject neutrally and thoughtfully. I don't know how many of the "old guard" who helped me years ago are still around, but even if they aren't, some of you may be interested. The group seems pretty slow right now, and maybe we can get some discussion going.
-- Rich Franzen