Since covid, I’m now accruing for 12 months reserve to be safe!

The policy loans unlike 401k or other qualified plans do not have specific terms to pay back so you pay back the accruing interest on your terms not the plan or the banks terms. - Tax free use and growth of the cash value and death benefit as long as the policy is managed and in force for the duration of your life till death - High contribution limits that can be customized to suit your cash reserve/accumulation strategy unlike IRA, 401k, SEP, etc which are max out early and are highly illiquid Main advantage I saw personally was ability to be in positive leverage not only inside the policy (interest credit> admin/cost of life insurance/cost of interest on a loan) but to be able to borrow from the policy and reinvest it else where and have the money in multiple places at one time and still maintaining all the benefits of life insurance policy and the other invested assets.

Fines accruing due to these notices going unresponded is the biggest immediate shock owners we work with receive. 

This premium only starts accruing on bids higher than 40% of the assessed value.

One of the greatest investments in the US and open to anyone and is totally passive is buying timber ground in the Northwest you will make 10 to 14% per annum accrued..

In the event the Premises are destroyed or rendered wholly uninhabitable by fire, storm, earthquake, or other casualty not caused by the negligence of Tenant, this Texas Lease Agreement shall terminate from such time except for the purpose of enforcing rights that may have then accrued hereunder.

Also, I personally do not like late fees that accrue daily.

You can park your $ there, get the free bonus, and either "turn on the drip" investing by leveraging one of their conservative, fee free funds that steadily accrue interest/dividends while protecting you from market down turn. 

You also have to factor in the student debt accrued by going to dental school.It depends on your end goal.  

The first is the total pay off which consists of the UPB, accrued interest, attorney's fees, property preservation fees, late fees, inspection fees, property taxes, property insurance, and I'm sure half a dozen other fees I can't think of.