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I am using Penn Mutual, the only issue with the shoe box is I probably would forget where I put it. Have you heard anything about Ameritas Life? Got a phone call from them today
Penn does not take 10 years to get a positive return if you are maxing out PUAs. (perhaps a T4 or T5 rating)
Ameritas WL is not designed for strong CV accumulation. They say it is... but it isnt last time I looked at an illustration. Miles apart from Penn/Mass/Guardian.