Growth and interest, as well as excess funding from the year, are returned back to policyholders by way of dividends, which are accounted to cash value policies. (bestliferates.org)
If you don't like keeping excess funds in your checking account, it does not make sense to pay a premium to bank with an institution that charges you for moving money around. (wisebread.com)
Until you've «made it» buying a house typically isn't a good use of excess funds. (financialsamurai.com)