Is life insurance a good investment?

... it is typically best to wait until the surrender period ends and at that time consider rolling the annuity to a regular IRA at a discount brokerage firm such as Vanguard or Charles Schwab. You will no longer have surrender charges and you will ...

http://www.al.com/business/index.ssf/2013/04/is_life_insurance_a_good_inves.html