technovelist wrote:And I probably wouldn't have bought the policy just for the "LTCI" benefit. But given that:
1. I really HATE the official LTCI contracts and wouldn't buy one for that reason, and
2. I needed new life insurance anyway,
this seemed like a nice "freebie".
tibbitts wrote: But don't you need $1MM in each fund to waive sales charges, not just $1MM total?