You can only use it to get free tickets and upgrades.

which "Paycheck parking" all your money back into the policy to pay off the loan although most ppl only use it for big ticket items like cars or big vacations, education etc. this goes for WL or IULFor Maximum Cash Value your really not trying to use the policy as a "bank OR DEATH INSURANCE " per se but infact you design the policy to give you Maximum Cash Value to be withdrawn TAX FREE in retirement there are three fights going on in this financial product space 1 is the WL vs IUL debate (which is pointless they both have +'s and -'s ) really comes down to risk level.2 is Should you be using your WL / IUL policy as a bank (inf or BYOB or 7702 acct) or for Tax free income during your Retirement years.3 Which is MY argument ...Why can't you have BOTH WL IUL why cant I use my WL / IUL for inf banking and Tax free income in retirement ...the answer is YOU CAN!!!! 

It’s kind of like buying concert tickets.

I think that's because of fear, but more on that in a minute.Chris, when someone buys a lottery ticket for a dollar and wins $10,000,000 their ROI is 999,999,900% according to an ROI calculator I'm looking at (you'll have to forgive me for using a calculator, but I'm not a professional mathematician or whatever, so I'm using a tool to get the right answer).

They always have extras that are not covered attached to big ticket items.Here are the pros and consPros1.

"He works the ticket booth at a state park"You just can't make this stuff up!

I am just starting to get interested in this field, the low price point for entry is the winning ticket for me. 

However, I would submit a ticket to the support and they fix it.

That's the golden ticket.

Account Closed, depending on how recently the big ticket items were updated/replaced (eg. roof, furnace), you could consider not allowing 22% expenses just for cap ex, but perhaps a more modest  $90.00 (10%).