It Was the Best of Times, It Was the Worst of Times All about how missing the best market days (or the worst!) might affect your portfolio. Share | Have A Question About This Topic? Name Email Address Message Thank you! Oops! Related Content What Is a 1035 Exchange? 1035 exchanges provide a way to trade-in an annuity contract or life insurance policy without triggering a tax liability. Universal Life Insurance Universal life insurance is permanent insurance with a flexible premium. Here's how it works. Diversification, Patience, and Consistency Three important factors when it comes to your financial life.