Permanent life insurance, when done right, shouldn’t cost money, it should make you money.
Outside of the Flexmethod a whole life policy averages 4.5-5% tax-free BUT ONLY AFTER paying into it for 20 years or more.
With the Flexmethod, all of that changes. Expected rates of return are typically double and the time period to reach profitability is greatly reduced, and in many cases eliminated.
For this reason we don’t see the Flexmethod being a cost, but instead, a resource; just as we wouldn’t consider putting money in a savings account an expense.