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[dday9]

The tipping point seem to be, will the expenses associated with the loan less than what the life insurance policy growth will be for the same amount of money.

So it's a good method if the loan interest is 4% and the policy growth is 6%.

Not necessarily. What if you take my 15 year example, but both the loan and growth are at 4% and I don't repay any of the loan? Well, the cash value the next year would be $208k (+$8k) and the loan balance would be $83,200 (+$3,200). That means that the cash value earned $4,800 more than the loan balance. Spread it out over 10 years (assuming I'm still not paying the loan) and the cash value would be $296k (+$96k) and the loan at $118.4k (+$30.4k) meaning the cash value grew $65.6k more.