p48 - 1993 03 - Kiplinger's -March - Tax-deferred compounding and high early account values give low-load policies an advantage."
1993 08 - U.S. News & World Report - "Low-load universal life policies can generate higher cash values than traditional whole life plans by avoiding agents' commissions entirely."
1994 0330 - Physician's Financial News -"One client bought $3 milion of life coverage. The full-commission alternative would have cost $61,000 in toda's dollars for 20 years of coverage. The low-load product cost $10,000 in today's dollars, with an insurance adviser's fee of $6,000. Effective savings.' $45,000."