Hey....Thanks a lot for your reply. What you told really makes sense of the whole life policies. I have heard through a friend of mine on how they overfund their policy and accrue interest which has been about 5% for few years now. Not sure how it changes now with the COVID situation.

Regarding the MO side, I was somehow uneasy about doing money orders deposits.

In the walmart Billpay, I see my provider listed.

1. Does Walmart Bill pay allow taking a credit card for an insurance payment?
2. or it has to be only cash or Debit card ( Visa gift cards) ??
3. What would be fees associated with CC vs a debit card?

I have never used walmart Bill pay before and if you can suggest an approach, it's greatly appreciated.