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@dory69 You right! At what point do you think one should switch from increasing death benefit to option 1 you mentioned earlier on? And what's the benefit of doing that? Currently I have a policy I structured using increasing death benefit and low face value.

@dory69 Do you think IUL is truly an investment vehicle? Considering the fact that insurance have that power of changing ur cost of insurance and determine the cap and floor for your policy?