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
I can't believe we're even having this discussion. Harvard, Yale, Princeton, Duke, Stanford, MIT, CalTech and UChicago are what I think of as the good schools (at least as far as major universities go). Rice is good, but it's definitely not in that league. UVA and UNC both provide decent educations, but they're public schools.