Many financial planners are selling life insurance policies telling their clients that their investment capital is guaranteed not to suffer any losses. The first question you should ask is, "Who is guaranteeing my capital investment?" The answer is your insurance company.

Are insurance companies stable? Insurance companies are the second largest holders of mortgage backed securities. Banks are the largest holders of these investments. The mortgage backed securities have caused several banks to collapse in the last couple of months. ( 7 FDIC insured banks have collapsed in the last 9 months) For details see: http://www.fdic.gov/bank/historical/bank/index.html

AIG, a global insurance giant has been hit hard (stock price down 53% from 2007 high) in recent months by losses linked to subprime mortgages as are many large insurance companies that have been around a long time. See the WallStreet Journal article for details. http://online.wsj.com/article/SB121354350917275447.html?mod=djemalertNEWS

Life Insurance policies can only guarantee your capital investment if they remain in business. If they file for bankruptcy you may get as little as zero returned to you. Many insurance companies are currently in crisis. Gold and Silver have never declared bankruptcy nor has its value ever gone to zero in the last 5,000 years. If you are interested in learning about diversifying your portfolio with precious metals call Tamara 303-771-5825 at Golden IRA's & Investments, Inc. No high pressure sales. I love to educate others about protecting their accumulated wealth. You may also visit www.goldeniras.com to learn more.