For three consecutive years, it is not advisable to withdraw the policy, as only a very less percentage of the premiums paid will be obtained. (simplypaisa.com)
Since then, more and more breeds have been found to be affected, though in lesser percentages. (siriusdog.com)
If people are happy with stock market returns and risk, then whole life paying less percentage doesn't excite them. (biggerpockets.com)