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Seriously Mary Ellen, here's the solution. Tin can with secure lid buried in the back yard. Benefits: Instant liquidity You know where your money is and can get to it on your terms. No fee No greedy bankers/advisors/agents will make a dime off your hard earned dough. Fire protection Unlike under...

Mary Ellen, 1st...When viewing the illustration ask to see the worst case scenario. 2nd but more importantly remember your stated goal to the advisor/agent was a need for income, not liquidity, nor death benefit. It's likely the death benefit is there as part of the contract, again get the worst...