Capital Gains Tax

[Bug_Power]

So what's the typical Capital Gains Tax? My reason for asking is trying to compare a 12% mutual fund with no tax guarantees, with some universal life over funded accounts where you have no tax on policy loans.

[SPECtackle]

12% MF with no tax GUARANTEES? First of all, even use of the word GUARANTEE is a big taboo and potential E&O issue in the investment arena, exclamation on the PERIOD! UL pays an interest rate and any illustration any where near 12% is a numbers playing game, 3-5% more likely reality. Depending on how much over-funded, if you get to a MEC all your tax benes go away and your policy is treated as an investment rather than LI, so be careful. Why wouldn't an insurance guy like you get a VUL? No tax on policy loans, up to basis but still interest payment due or you impact CV's & DB's! No free lunches anywhere you go!