"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
(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.”
afba chapter 9 life insurance armed forces benefit association