The Smallest Front Loaded Whole Life Insurance Policy

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[WWIIPacificHistory]

That can easily be done with an IUL. You can design a policy with a blended DB of 100k base and 400k term that for most people would provide over 30k/year in MEC space. With that blended design it would have very low commissions, fees and surrender charges and ~80% of the money you put in would be available to utilize in the first year.

[thehfginc]

It can be designed with a whole life as well!

[dmoro]

I have whole life policy with a $20K/yr MEC limit with a $3000 base premium.