Provided an Equitable variable whole life policy with long-term care rider to a customer this week and at age 85 she will have between $250K and $650K (depending on contributions and performance) in her cash surrender account with tax FREE gains and distribution. She can use this for retirement, lowering her tax rate, for long-term care and/or a death benefit. If you do not have this type of product in your portfolio you are leaving money on the table and doing yourself wrong!
