This is incorrect. I explained this in one of the previous...

This is incorrect. I explained this in one of the previous threads, but after a 10 year period yes *you* are exempt from tax on your redemption however, when the cash is within the insurance policy, they pay tax on the earnings of 30% - tax credits they receive regardless of how long that cash has been within the insurance policy.

re: providers W/different returns. These providers very few in number and the return difference isn't exactly a good comparison as they are just effectively tax vehicles for your money to invest into common funds like Vanguard etc.