Cont… not all Term offers what I mentioned on my previous post. Review what the products offers. 2. Permanent Indexed Universal Life if your Goal is flexible premium, DB, Living Benefits & with a strategy to build cash accumulation safe & secure (no loss when market is down), access to cash anytime, tax free growth, be your own bank, supplemental retirement income tax free. You may stop paying premium at a certain time and your policy continues & account value cont to grow.