Recently, many financial advisors have started to recommend using investment grade insurance contracts to supplement retirement savings. This unique savings vehicle has changed the way advisors around the country view insurance contracts. Insurance contracts in general are some of the most often misunderstood financial vehicles on the planet and yet they offer some opportunities that cannot be found in any other financial products. Why should you care? Because not knowing about the unique advantages of an investment grade insurance contract could cost you tens of thousands of dollars in missed opportunities.