High Cash Value life insurance policies aren’t about getting a certain amount of Death Benefit for the cheapest amount. It’s about putting the amount of funding you can into it to grow and build so you can have it Grow Uninterrupted while you use the money for other things and pay it back on your own schedule, instead of paying a conventional bank or institution. You start with how much do you want to put into a savings type situation and gain real interest, not .02 interest like a regular savings account.