Paying Just the ‘MINIMUM’

So you're asking for fragility. Anytime you start squeezing a pure base only whole life contract and you start to manipulate it by squeezing the base down, putting a heavy pua. Want to keep the tax and have the heavy pua because you have to have your cake and eat it too. Okay, you're going to use annually renewing term and you can have your cake and eat it too right now, but you're going to eat up a lot of extra insurability with it. And if you go to solve your actual underlying need to pay premium and accumulate cash value, you're going to be relatively more limited because you can't get all the life insurance you want. Everybody's limited on how much we can get. So if you buy some in a relatively inefficient fashion, that will only accept premium for a short time because we needed to satisfy that near term desire for liquidity now so badly. Okay, but you're paying for that.