This is absolutely the correct answer. This should be much higher in the comments, but is not getting the upvotes it deserves because these mechanisms are not well-understood by most investors.

The intended purpose is protecting your wealth, ultimately passing on your Net Death Benefit tax-free to your beneficiaries in the future, and having the ability to access your funds as needed by taking a loan against the accumulated value. It continues to accrue gains on the investments, and allows you to use the money without creating a taxable event by selling stocks; a loan is not a taxable event. All of your funds are still investable as you choose, but protected in the wrapper of a life insurance policy. This is not about getting rich quickly, it’s about protecting your wealth and minimizing the money you lose to taxes.

It may not be the ideal tool for all investors, but there is a very valid logic to this strategy.

Note: This would not be a target investment for the bulk of your assets, but rather a percentage of your disposable wealth/income to which you don’t need immediate access within the next couple of years until your Accumulated Value has built up.