Depending on how you expect to use your policy, an experienced agent can tell you which option would be best for your situation.In your example of a $10,000 yearly premium, here is an example of a typical IUL illustration for the first 10 years for a non-smoking 35 year old female in good health.

The scratches on the floor he took pictures of were clearly really old scratches. they were dark in color and almost felt like they had been sealed if that makes sense.

If tenants don't pay utilities they typically get notices of cut offs and end up sitting in the dark without...literally...a pot to pee in. 

I had that happen no less than 3 times.There is a very small fire in your rental unit, but the smoke made the unit uninhabitable.

Smoked glass, stained glass, flowers, clouds, etc.

Because the kitchen has dark cabinets this will make the entire place look darker. 

@Caitlin Daniel month to month, no drugs, no guns, no smoking at the very minimum.

Little maintenance however, there are some big capital X (siding one house, 3 unit rehabs, potentially hard wire smokes in each house & a junk clean out).

. =)We walked away from our jobs in Portland when I was 35 to chase our dreams and find happiness, we have now travelled full time for a decade (while still young/healthy enough to enjoy it fully together), we live full time on a catamaran in the Caribbean that we own free and clear, just bought an oceanfront condo on our favorite island just in case we decide we want to grow old here later (one day when we're done sailing/exploring), still have a growing portfolio back home that pays for our perfect lifestyle and have also started a few passion projects turned businesses that are doing pretty darn well (considering our lack of interest in spending much time on them)... oh and yes, we do pay all our taxes and and fully insured/covered for health care.Just because we chose (and continue to choose) to live a free and nomadic lifestyle doesn't mean we dropped out of society to "smoke it up at the end of a long dirt road" - and just because we have decided that it's important to us to live and experience each day fully while we're young doesn't mean we don't have a plan for the future. 

Both of my tenants smoke in the building despite my request they not smoke and it being in the lease one of them was willing to sign.