I ask this because there are many people out there with a permanent life insurance policy for their long term savings and yet they have no clue as towards the hidden fees, MEC, ceiling and minimum contributions.
Most people don't understand permanent life insurance. Most people have no idea, that the policy works by having the investment component build up over time, while the actual life insurance component decreases, to keep the "death benefit" level, and the premium level, too.
Here's how you can learn more about permanent life insurance and compare free quotes online among several highly-rated life insurance carriers.