of all people is going crazy over the fees charged for mutual funds and all of there derivatives https://www.tonyrobbins.com/wealth-lifestyle/how-m...http://www.forbes.com/2011/04/04/real-cost-mutual-...personally:I use one WL for a bank to buy real estate notes and pay off bills and shatter my OC home interest to turn a 30 mort into 5 years paid in fullI use the other WL & IUL for Max cash Value for income for life  so when I am 65 I should have over 1 million in cash value that if I wanted to could pull out all at once on my 65 birthday(or at anytime)  for free!