@John Paras The timing for when to get a PM is more for the headache aspects of it. 

Whether it be a rate adjustment or total reform as a goal.So I wanted to get some feedback from BiggerPockets members on ideas, and organization on this.Even if it is just compiling an email list to get signatures to send to politicians.

A first year agent can tell you the meaning of the Termination Option (Para. 23) in the TREC form and that this provision is all you need to exit a contract legally, morally and ethically.

Looks like page 3, para 6 clearly states at least one owner must occupy, one of the units on the property. 

Para Life do not even sell IUL's .All this hate on WL and IUL when none of you ppl own or have done any proper research on them to be owning one , I will never know.