"The cost of life insurance policies depends upon the level of the premiums, dividends, and cash values."

1982-2, NAIC Proceedings

"Ironically, all the columns, figures, pages, disclaimers, and disclosures do not tell consumers what they really want to know -- What does the insurance cost? Below are my suggestions for what an illustration should tell a consumer."

-- J. Robert Hunter

1994-2, Proceedings

(61) “The cost of insurance protection provided by universal life policies is similar to term insurance — that is, the cost will increase as the policyholder gets older.”

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