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Yeah being knowledgeable about it is one thing, but I would never own one of these on my own life or my failmy’s life. Every universal life policy out there is a monster that cannibalizes on itself. The cash value will build up, but then start to decrease rapidly because the cost of insurance goes up. Yeah the premium stays the same, but the cost insurance inside your premium continues to go up, and your investment account gets eaten away all the way til 0.Just pointing out form experience.