The cash value in life insurance is able to earn investment returns without incurring current income tax as long as it meets the definition of life insurance and the policy remains in force. The tax free investment returns could be considered to be used to pay for the costs of insurance inside the policy.
unh is a great school for any student whether you are a liberal arts major or want to be a doctor or a veterinarian this is the place for you engineering liberal arts psychology marine biology zoology chemistry physics equine studies business nutrition journalism etc
Rowan is definitely a good school and a fun one too. Academics are good especially for the STEM fields. The school is expanded other programs too such as the business programs with the construction of the new building, the purchase of the fossil park, and the political science department with a recent hire for the intent to start a public policy institute.