Regards to IULs, personal policies, is there a sound conceptual use of this option? Having a hard time with the search since I can't seem to include "3" or "c" in the search query. I know it is ROP and premiums eventually goes down on an overfund (from what Ive seen so far) but CV still isnt where it "should" be. What kind of affect does that option have on the policy itself? I know the policy would have a higher expense yhan A or B.