You could find an insurance agent who represents Guardian, Mass, Penn, and all of the other great WL carriers who also understand maximizing policies for cash values and have that person evaluate your best options.I am considering Penn Mutual believing the dividend is around 6%. As soon as I buy this policy, they are going to reduce the dividend to less than that? That's not good.
You don't get any discounts/favoritism for calling the carriers direct. (You're still working with an agent)