I would suggest you read a couple of books if you have not. the first, Bank on Yourself by R. Nelson Nash. The second Missed Fortune by Andrew Douglas. Then let me know how you feel. No, I am not an insurance agent. I am an investor, consumer and business person. I have 4 of these policies now, I am borrowing from them using that money to fund low risk investments and I am growing the cash values of my policies at impressive rates. The dividends keep getting larger. It is the smartest thing I have ever done and those who poke holes in it without knowing the details are cheating themselves and other readers of information on this board. No, there is not much demand for this information here, as the general fool mentalitity is to invest in stocks, but term, yada yada. I invest in stocks and I do by some term, but I also invest in dividend paying whole life policies and I do so for investment and retirement purposes, not for insurance purposes.