Most people who end up building a lifetime line of credit tell me the same thing afterward: they circled it for a year or two before they started. Nothing was wrong with the idea. They just figured next year would work as well as this one.
With most purchases, that's true. With this asset, two things move against you while you circle.
The first is time. A policy designed for high cash value compounds every year you own it, on guarantees, and dividends buying additions that earn dividends that buy additions. That curve steepens late. Which means the early years you skip aren't the cheap flat ones, they're the ones the whole back half of the curve stands on. Start at 36 instead of 35 and you don't lose one year of growth. You lose the last, biggest year of a lifetime of compounding, the one that would've landed decades from now.
The second is insurability. You qualify for this asset with your health, and health generally moves one direction. A rating you lock in today stays locked for life. The exam isn't the enemy. Waiting is. This is doubly true for kids, which is why they get their own page here: a child's insurability is the cheapest it will ever be, and a policy started young hands them a compounding head start no savings account can match.
Now the fair point, because there always is one. If your cash flow isn't ready, waiting is the right call. A policy you can't comfortably fund is a bad policy, whatever the design. That's why the first conversation is a needs analysis and why sometimes what you'll hear from me is that it's not time yet. If cash flow is the bottleneck, fix the leak first over at Dynamic Banking. It's free, and it's usually the fastest way to get ready.
But if your base is ready and you've been circling? The first 90 days are laid out step by step, and the conversation that starts it costs nothing. A year from now, you'll either own year one of the curve or you'll be pricing it a year older.