I have been told by my upline that NLG has the greatest IUL since sliced bread-really they use LSW-but my real question is-a stable cost of insurance? I was told that the COI will never increase, so there is always a large amount of the premium to go to the cash value. How is this possible? As the client ages would't the cost increase to match the chances of death? I was also told that eventually the Client would accumulate enough cash value in the account that they could self insure and the COI would go away? Can anyone clarify? I am extremely new to the industry but, know that insurance is going to be my career going forward. Thanks in advance for any help.