Okay, so I represent a WL company. Many of you are essentially of the "buy term and invest the difference" thinking, so the alternative is to offer mutual funds or similar variable products. Unfortunately, it seems mutual funds don't pay all that much money. I would have never guessed that before jumping into the business, and would have assumed it was the opposite. Yet, some guys do pretty much exclusively investments and do almost nothing with insurance products. How the hell do these people make money?