Okay.
I suspect your deep concern about ME calling YOU a FRAUD comes from my post #40: "Insurance purveyors who suppose they are offering an investment, in my experience, are usually A) Frauds."
Please read the whole sentence: "Insurance purveyors who suppose they are offering an investment, in my experience, are usually A) Frauds, B) Extremely Misleading, or C) Have such convoluted and long-term tax-based advantages that a really smart guy wouldn't dare enter that market without a PhD dissertation to back him up." This sentence leaves open two alternatives to Fraud.
Please note the subject of the sentence: "Insurance purveyors...in my experience." I have not met you, or had you pitch me insurance. My experience stands, the subject of the sentence stands, and this is factually true from my experience. Note that the subject of the sentence is NOT YOU.
Your apparent misunderstanding of that sentence follows rapidly in post #41: "Well you just accused me and my wife and three major insurance companies of being a frauds." That is factually incorrect. Please note again that neither you nor any particular insurance company (much less your three) is accused by me of being a Fraud. However, I do know personally (my brother-in-law as an example, sadly) of Insurance Agents who represent their offerings fraudulently.
Next, just to be doubly clarifying on the foregoing points, in my post #41, I particularly disabuse you of the notion that I have called YOU a FRAUD: "If the shoe fits....just kidding. More on this below." Emphasis added. Note further that below in the same post, to elaborate as promised, I point out that:
"most normal people, I believe, are duped into Insurance. That's not to say that a really great Financial Advisor couldn't understand it and guide people into proper vehicles. I'm just saying that virtually all the people so invested have no idea what they've been put into. Might be smart, might be stupid, but they have no idea. While that may not constitute fraud, it is really not a very nice thing to do to people." Emphasis added. Note that I particularly and repeatedly call out examples where insurance practices, including yours, may NOT BE FRAUD.
After repeatedly telling YOU that I was not accusing YOU of FRAUD, you remain perfectly oblivious, in post #44: "And the day they taught ethics about accusing people you don't know." Thumping you repeatedly between the eyes seems completely ineffective at this point.
Your post #83: "Don’t be bashful about pinging your friends and neighbors." Done.
Based on the thread as a whole, and with Post #84 having been considered:
Q: Did UNCLE MILTIE directly and distinctly charge NUFSED with FRAUD?
Standing by for a verdict of YES or NO. Reasoning for said judgement would be appreciated.
"most normal people, I believe, are duped into Insurance 'investment vehicles'."