Your in wrong whole life plan being with or your insurance company going to public after you bought the whole life policy, any way, you don't want to wait any more, you can use 1035 exchange form to transfer your cash value to Massmutual or northwestenr mutual comapny ASAP, this two company agent will help you to do this, you just need to sign the paper.
-Mutual company whole life policy will let you gain a lot of cash value down the load, but not much insurance agent want to tell you this, because they work for public stock tread life insurance company, if your policy in stock tread company, of cause the money that company make is going to stock holder first, you will get very less divident.
- Some will say, buy term and invest the different , Do you know which mutual fund to invest? when to buy and sell? who suggect to invest in stock market, are they can show you how much they gain in last 10s to 20s year? is that any of investment history can show you 100s year back? only few investment can show you long term history, whole life is one of them.
- Don't give your self wrong, your are in right plan, the only thing that you need to do is change your policy to Mutual life comapny.
-If captive company paid me average 9% dividend for last 30 years, than you and I want to be part of it, are you?