when a UL product is sold that the cash value at age 100 does not equal 0 on the illistration...I have never seen an inforce illistration where the client plans on having more than 0 dollars of Cash Value after age 90...Just hoping that the "implicit" costs don't change.. actually having no idea that they can.

Don't care much how the actuaries figure out the cost, at the end of the day, an invitation to use the cash value why you are alive in UL policy spells a serious consequence for the client if they live to long.

MassMutual, a mutual company will be around forever, 156 years and counting. Northwestern, 150+ years and counting. Both mutual companies, both have the highest ratings any life insurance company has. As you know, non mutuals have troulbe doing well when the stock market doesn't...hece the reason you may have worked for 4 of them in the so many past years.

UL has a place, but lets not call it WL. Its not, and I would be the one getting sued when it misfires. Not the backroom, ivy tower number cruncher...any ways...you know now the feelings of agents..