I think you illustrated many of the issues in your posts. 

Whole life allows you to strategically accumulate your own capital so you don't have to raise as much.Timing for when you borrow depends on the carrier, but in general, you can borrow immediately.Downsides are less than 100% of what you've paid in premium is available as cash value in the first few to several years of the policy, depending on your policy design, age, and health.

As for state reg's I would suggest your states health and human services.

I almost landed a job there as an environmental health and safety specialist.

I work out, meditate and take care of my health.

HereToledo has also been expanding with investments made by Amazon, Fed Ex, Promedica Health, and more. 

Any future president could use the CDC to bypass congress as a way to mandate anything in the interest of public health emergency.

You have gotten older, any new health issues that arise, and the need to go through the review process again, may change your access and cost of an insurance renewal.

Friedrich's ruling applies nationwide, though the Department of Justice has appealed the decision.The eviction ban was put in place last year by the Trump administration using public health powers granted to the Centers for Disease Control & Prevention during health emergencies.The ban was most recently extended by President Biden through the end of June.

Friedrich's ruling applies nationwide.The eviction ban was put in place last year by the Trump administration using public health powers granted to the Centers for Disease Control and Prevention during health emergencies.The ban was most recently extended by President Biden through the end of June.In her 20-page ruling, Friedrich said, “It is the role of the political branches, and not the courts, to assess the merits of policy measures designed to combat the spread of disease, even during a global pandemic.