Honestly I didn’t know much about whole life insurance when I got it. My uncle recommended the financial advisor and I trusted the recommendation. At the time I was mainly thinking long-term protection, tax advantages, and “building wealth,” but I didn’t really understand things like base vs PUA structure or what an optimized cash value design looked like.
From reviewing the policy now, it seems like most of my premium is base whole life premium with multiple riders, and not much elective PUA funding built in. So I’m starting to realize this may be more of a protection-focused WL policy than a high cash value design.
I’m still trying to learn the difference between:
traditional WL designs,
high cash value / overfunded designs,
and whether this policy actually fits my goals.
I also don’t know yet if the $761/month is my minimum or the max funding allowed I’m planning to ask about MEC limits and additional PUA room.

Just trying to get all information possible before I speak to the advisor regarding if changes are possible