I’m a DC native, so that makes us mortal enemies for the moment — but brothers in REI through and through!

It is some confusing stuff that us mortals are not supposed to truly figure out. 

What the Whole Life policy calls "mortality costs" the UL simply prices out as a 1-year term.

<< Wasn't so long ago here in NC if someone broke into your house you could NOT shoot him unless you were in mortal peril of your life.

I would argue for most mortals that decreasing leverage slowly over the years makes sense.

I am an insurance professional and besides having universal life for both me and my wife, I am putting a policy in place on my 2 yr old daughter and not because im thinking morbid or questioning her mortality, but becuase the cost of insurance for a yound person is next to nothing and by puting in 50-100 bucks a month into her policy creates a monster cash account when she is 30. it just makes sense because almost everyone will needs life insurance at one time in their life so you may as well put it in place and take advantage of the tax benefits that a life insurance policy as well as its cash value affords you.

Just as an insurance annuity, values are based on mortality tables and the equity to be collateralized.

It reminds you of your own mortality and how finite time really is.

If you are a mere mortal it is basically a complete and utter waste of time.

For we mere mortals it is certainly worth kicking it around on a message board for a bit.