What do you all think about UL? I am not a UL expert, but my immediate concern is that it will end up costing an outrageous premium or end up fizzling out. I think it would be hard to truly think of it as permanent insurance. I'm just really talking about UL and not VUL, which has some additional investment components that can yield more in the interest bearing portion, although I can't imagine someone not surrending that at some point either. Thoughts?