This unit is for internal educational purposes only and is intended to help agents understand and communicate the risks, limitations, and weaknesses of a life insurance-based strategy. Agents should not minimize risks, imply that projected values are guaranteed, describe policy loans as risk-free, or present the strategy as an investment, guaranteed income source, or substitute for individualized tax, legal, investment, or insurance advice. Actual results depend on policy terms, funding, charges, underwriting, loan activity, non-guaranteed elements, tax treatment, and client behavior.