Comparing a $10,000/year premium across two completely different architectural structures. The product is the same; the engineering is different.
Built for a massive death benefit payout later in life. Low early liquidity. Takes approximately 13 years to break even on accessible cash value versus premiums paid.
Built for maximum early cash flow to fund your Private Bank. High liquidity in year one ($7,000). Reaches the break-even tipping point around year 7.