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This is not to suggest she definitely won't have any insurance when she dies, but it does suggest that the timing of her death may be such that she outlives her policy. But Tables 14.1a-f also highlights the problem: A 45-year-old female's calculated funding premium (all-equity allocation) of $4,200 for $1 million of coverage looks like a great bargain until we add a probability analysis and see that there's less than a 50/50 chance that her policy will sustain to and beyond age 100. Variable Universal Life funding premiums range from $2,400 to almost $36,000 in an age range of 25 to 75 - assuming a 10 percent long-term average rate of return - consistent with the historic returns of aggressive investors and calculated via policy illustration. These tables depict assumptions of both all equity (meaning a relatively aggressive 100% stock allocation) and 60/40 (meaning a less aggressive allocation of 60% stocks and 40% fixed return securities) asset allocations. Tables 14.1a-f show calculated premiums for selected ages for both healthy men and healthy women, as well as a table insuring both for Survivorship Variable Universal Life. Today's aggressive investor might seek long-term gross average returns of 10 percent from an all-equity asset allocation, and understandably feel comfortable in using such a rate to calculate a funding premium. All Variable Universal Life illustrations used to calculate a funding premium will render that calculation by employing a long-term average investment return assumed by the agent but not to exceed 12 percent gross of investment management fees. In the spectrum of policy offerings - from conservative Whole Life through risk-tolerant Variable Universal Life - it is also the type of policy most vulnerable to the perils of using policy illustrations to evaluate the funding premium that should be paid for the policy. It is the perfect policy, giving its owner's discretion to manage the underlying investments in a manner that is compatible and suitable to their risk tolerance. With due respect for any individual's tolerance for risk and suitability for such a product, Variable Universal Life represents the culmination of almost 300 years of home insurance growth and policy development in the United States.