It has been over 5 years since I started my first policy on myself. I added another on me, one on my wife and one on my daughter. My dad actually stumbled onto using it probably 10 years or so ago for wealth preservation during retirement and getting payments from ownership in a firm. I read the book that his guy gave him, but decided it was not for me. The topic came back around 4 years later or so and after podcasts and books, I finally understood. I am seeing some great dividends on those "earlier" policies. Can't wait to see them progress.