Hey TonyaS, If you are excited about a cash value policy now just wait till you have 10-15 years under your belt. One thing though. UL policies have an increasing mortality cost. That is why if the dividend drops...much like in these last few years...you will see that the policy will take money out of the cash value to pay for the increasing mortality charge. You will see that it even goes to 0. For your age you should look at a Traditional Whole Life policy. These have level mortality charges and are guarenteed to have an increase in your Cash Value everyday of your life and will be inforce when you die.