Yep. Im sure. But to be fair every carrier is different. Some do it that way and some dont. But most all Mature at 100 and Guarantee coverage until 121. LFG for example calls the end of Premiums (age 100) the Maturity Date (unlike NA who calls 121 Maturity... same term but different meaning). Coverage is guaranteed to extend to age 121 after age 100 with LFG as well. And, to be fair (like I said, each carrier is different, especially on the COI issue) COI extends to 121 with LFG.... BUT it is not as much as I know you think it is... for example: at age 105, for a $450k DB, the COI is only $2,800. And there are no other charges or expenses. I would encourage you to run some UL illustrations and review the expense reports. You will find that a lot of your opinions and assumptions are unfounded. You seem to think that a UL uses true "Term" pricing for the COI because that is how it is often described. The truth is that they do not use the same pricing as Term. The COI does increase, but not nearly as much as you seem to believe. UL COI is in no way comparable to Term in the way of cost.