I've listened to the podcast, I watched the webcast, and I skimmed the prospectus. In my opinion, everyone should elect GVUL over the current term insurance. Purely because the GVUL results in lower imputed income (and in turn, lower income taxes) for the same benefit, and also because it is portable and because a pilot can elect to continue the policy after age 65 if they choose to take over the premiums. This alone benefits EVERY pilot.

Now, I think before anyone elects to dive into the investment side of this (which you don't have to), you need to be very careful and either run some scenarios out on a spreadsheet, or have a financial advisor look at it. I do think there is some tax-free value to unlock on the investment side since the Delta-paid premiums are part of your cost basis whenever you withdraw the investment. But that's after a 2.25% front end load, and a $25 withdrawal fee. I'm trying to get more accurate numbers on what the Delta-paid premiums are so I can run some scenarios.