The problem is that the cost of the 3d modeling is prohibitive for all but the most endowed projects.

That is one of the only true recession proof sectors (as long as it is a state college or live in university or a private university with an incredible endowment to attract students but no land to build on.2.

Maintaining a constant corridor between the death benefit and cash value prevents the product from becoming an Modified Endowment Contract which loses its tax advantage.  

Specifically gross income means all income from whatever source derived, including (but not limited to) the following items: (look at 2,3,and 5)(1) Compensation for services, including fees, commissions, fringe benefits, and similar items;(2) Gross income derived from business;(3) Gains derived from dealings in property;(4) Interest;(5) Rents;(6) Royalties;(7) Dividends;(8) Alimony and separate maintenance payments;(9) Annuities;(10) Income from life insurance and endowment contracts;(11) Pensions;(12) Income from discharge of indebtedness;(13) Distributive share of partnership gross income;(14) Income in respect of a decedent; and(15) Income from an interest in an estate or trustI am not a lawyer (would not admit it if i were) but I did sleep at a Holiday Inn last night.

@Stephen Jones I’d look atThe colleges annual reports and the endowment and articles on general fiscal health.

Doing so would likely turn the policy into a modified endowment contract (MEC) and make the policy taxable, creating a double-taxation: once upon liquidating the retirement account, and again in the new policy because of the MEC limits.If the property in TN is an investment property, he could look at doing it the other way: liquidate -> buy rental property -> use net income to buy life insurance.

Essentially it is a form of assistance like an endowment or subsidy.In that context, Guylaine may have been referring to a legitimate financing option in Québec and I misunderstood her initial post.  

It is often owed to the developer themselves.This is done because the average home buyer seems to think HOAs get some kind of endowment from the developer or builder. 

Havard Endowment has over one billion indirectly invested in these. 

This is something that pension funds and endowments learned years ago.