:it's never too late to resuscitate this horse again. we're only 6 days into the new year, after all...

for the life of the contract now remember the first few years you will have neg returns due to comm and cost of insurance and the fact that the dividends are based on the size of the death benefit and how long your policy has been in force so that 4% compound has to over come all of that and it will take years to do this (8 or 9) maybe even 10 years so you will go from getting a $300 (yr 1)a year div to $4000(yr 10) a year to $14,000(yr)20 a year and rising its the turtle in the race & the finish line is 65 or 66 years old  for most folks by age 65 you would have put in $300k in (premiums)  Guarantee cv will be prob $387k  (thats ZERO Dividends paid all years!!!)