The only problem with the dialogue choices is the lack of permanent choice. (squarexo.co.uk)
With a complete death benefit available once the policy is ready, the premiums will stay as is during permanent choices. (lifeinsuranceblog.net)
For those looking at more permanent choices, but still looking for flexibility, you can choose between the Foresters SMART Universal Life and the Variable Universal Life products. (bestliferates.org)