Loan payments are always an unwanted expense. But when handled properly, Whole Life loan payments can actually produce a solid positive long-term IRR.

Sure you could just withdraw and have no interest payments, but since PUAs keep compounding, this video measures the efficiency of different payback scenarios compared to just withdrawing. 

Notable Timestamps:
3:20 – When does it make sense to float a Whole Life loan with interest only
5:53 – Comparing paying down principal & interest vs. interest only on your Whole Life loan
9:03 – What if I just start a new PUA instead of paying loan interest on the old PUA