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@messenger_of_truth PM me and I can give you specifics for his policy

@caspiansails This can be accomplished with a custom-pay (anywhere from 5 years to your age 75) whole life policy and adding two of the riders; dividend option term and option to purchase paid-up additions. The dividend option term is what allows the policy to pass under IRS section 7702 and not...

@resjudicata Generally no fees to surrender WL (no surrender charges like UL). Just want to watch out for potential tax consequences. If there is any gain in the policy the $ above cost-basis is taxed at ordinary income tax rates and potentially the 10% IRS early-withdrawal penalty. Term is a...