Now more than ever, due to a persistent low interest rate environment coupled with older policies that have expensive mortality costs, 65% to 85% of permanent policies need to be reviewed. I believe cash value life insurance policies are assets that need to be managed. Many older UL premiums were structured to endow at age 100. Some policies were designed to have zero cash value at age 100 or even an earlier age to keep the cost down. Interest rates were much higher at the time of issue than the rate those policies are earning today. To compound the problem many policyholders have skipped premiums and/or withdrawn or borrowed cash value out of their policy.