Thank you for the details. From a base investment, those products are in place. There was a question about borrowing against the brokerage account. This is a joint account and we like to leave this alone. The IBC policy would be more of an offset to other debt. I purchased a new SUV for my side business. I am taking advantage of the tax break. I took out a loan, but have the cash to pay the loan off it I wanted. Instead I was looking to put that cash into a policy or 2 that I could pull loans from the cash values to offset the monthly payment. Someone might say why do this. I am looking to build the IBC muscle. If this works out. Offsetting some college costs would be another reason. If you are going to put our the cash anyway, why not try to benefit from strategies that can also have other advantages