THE ELEPHANT IN THE ROOM

Most policy owners are unaware that the “net cash surrender value” goes to the insurance company when you die, not your family!

So, if you plan on staying insured forever, you should use this “equity” to refi your policy just like you would refinance your home in order to reduce your mortgage payment.  Less premium, coverage for life.  If you are healthy enough to qualify, this is truly a no-brainer.