Best Life Policy for Return on Cash Value

I am new in the business and this forum and am looking to grow my knowledge in the business. I am currently a career agent with Mass Mutual in Texas.

I have done a bunch of research on different companies and the returns on cash value and try to learn the ins and outs of different products the best I can but it is mostly limited to mutual companies. I don't know much about what Universal Life has to offer.

If I have a client who is 35 and healthy, and who only desires the highest return on cash value after 30 years (not using a variable product) and then subsequently takes money out of t
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