At the beginning of the year I was earning 2% in a money market account , and I had a 100k term insurance policy that was going to end in 5 years. I now have a permanent Roth IUL with twice the survivor benefit and I am earning 4X the interest and I really feel I am moving toward something good, for the first time – I can breathe! Thanks Roth IUL for helping find a better way!