How are you earning 5%? So there's a couple of different, we

use two different products.

All right.

One is called whole life.

Okay, and one is called indexed universal life.

Whole life is strictly based on the life insurance carrier's general account, and you're participating in the performance of that company.

And the long-term yields on those products, not short-term, but long-term yields are right around 5%, especially the way we design the policy.

or

So is there, you know, where someone maybe who's younger, who we know like term insurance is always much cheaper when you're much younger too, you know, where does this make sense for someone younger too, to look at this cash value life insurance, or is it maybe something a little bit later in life that they should be looking at? Like, when is it the right time? I guess my question to really start looking at having a cash value life insurance policy.

So the first question is, do they have the assets? Okay.

So we don't want someone taking away from funding their 401k or something like that.

That's not what we're talking about.

All right.

If they have savings.

Now, when we talk about our ideal client, we say 40 to 60.

Like, what would you say regarding how they should manage that and still be using the tool that you have available?