Take a look at your illustration and take a look at the surrender values in the coming years. Does it make sense to keep paying the $12k to get at the higher surrender values down the road? I think not as over 100% of the first year's premium is paid to loads and underwriting costs. Sometime paying a few years more if you are ten or more years into the product would make a few more premiums worthwhile but not in the early years of the contracts.