re: Everybody wants to sell me insurance...

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which is actually premature death insurance

Term, yes. WL no. Characterizing them in the same light really isn't fair.

Insurance means to insure. In both cases you are insuring against pre-mature death.

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expect the cash value to exhaust itself at 90 funded at present levels, based on the guaranteed side

What do you mean by this?

I had the proposal solved for zero cash value at 90 based on lowest guaranteed interest rate, and highest guaranteed cost of mortality

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Agent being different than sales person.

huh?

Sales people sell. Agents actually understand business. The difference between a purely producer role, and an advisory role.

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