Hey, glad to help, and sorry if I came off as impatient (more than I usually do, anyway). And I'm in favor of DIY too, which is how I do my mutual fund/IRA investing, and why I complained about how online-unfriendly life insurance is. But the idea behind "infinite banking" (basically, using a mutual whole life insurance plan, which have been around for hundreds of years and endured very hard times robustly, as a savings account) is very much DIY, once you get it set up.

Again, take it with a grain of salt because I'm still researching this...