Anyone got tips on how the heck to analyze a Variable Life Insurance policy? What I am trying to determine is how fully funded the policy is. How "full" is the cash value filled up. How can I tell?

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Getting an in force at a reasonable rate of return will probably be your best bet.

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Yeah, send it to your insurance desk for review. Why are you trying to be an expert in something you are not?

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What is a reasonable gross return? 6%? 7? 8? Jones only lets us run them at 8 if its @ least 80% equities and prefers 100 if ran that high as well as disclosures signed. I assume 7 and 8 is unreasonable then? Or is jones being too conservative here? I see too many old illustrations at 12 & higher ready to blow up is why I ask.

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Since these policies are always in the distribution phase (the term cost deducted each month) then reality is about 4-5%.

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Run 4% and 6%. You want to be conservative on these, if your not, they may not have a policy in 30 years.

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