Your assertion that my comments are wrong is silly.

Paradigm Life is asserting that using the whole life insurance policy in the way they propose is a better alternative than keeping money in the bank because of the following:- the returns are considerably higher- i can access the profits tax free through getting a loan against the policy- even when i take a loan against the policy, the entire cash value is still earning dividends and "guaranteed" returns.The agent has been upfront with me that the first few years of the policy are going net high losses because of the upfront fees, but over time, 5-7 years, the policy returns will make up for the initial fees and I will start being able to access my cash through loaning against my policy while still seeing my policy grow. 

Any hard data to back any of your assertions up? 

It is my assertion that the longer lease does not significantly increase the probability of the tenant staying for the 4 years. 

  - Lets talk about that modification paperwork...does it assert that your buyer is the owner of the property?