...glad to see some discussion on this fund...in 1988 I was 21 years old when I signed the 10 year contract and completed it without a missed payment. I increased the face amount and have continued investing sporadically and without doubt, came close to bailing out of this fund many times. Invested to date $45,000, never took a withdrawl, worth today $159,000. ..not an exciting fund, but a good display of systematic investing at work...hey, as young, single man in my 20's, I could have done worse things with my money FOR SURE!