- 1,405
Got it. Didn't run it at no lapse premium. Yes, I'm looking at $2012. If it has to be NL UL I would definitely go with limit pay. 10 Pay looks real good, too. $3,347 was for guaranteed CSV up to age 75. Apparently actuaries want you to buy the no CSV stuff (wonder why).
It's cheaper because it's lapse subsidized. If you quit, they keep the money.
But then who buys a no lapse UL policy planning to quit?
As to no lapse, limited pay. It's the only way to go.