I will miss today's IBC because of a scheduled treatment on Base (Andrews Joint Airforce Base- Maryland). See you next week. My contribution for today is a question. At what point in the life cycle of a Specially Designed Whole Life policy does it become most efficient? My question is probably general because it is likely that each policy is impacted by many factors (age, initial contribution, PUA contribution. . . ). I would say looking at one of my illustrations that seven to eight years would be a good marker. Yes, I am assuming the policy owner requested that all dividends be used to purchase PUAs. Just my question for the community here. Next Week and I will be monitoring resonses.

I’m curious, who creates a promissory note and a payment schedule for each policy loan they take… and who just maintains a habit of paying policy loans back?