Timor, age 32, needs $250,000 of permanent life insurance. He is capable of paying higher premiums, perhaps $5,000 a year, for a universal life policy but is aware that he might need to borrow cash back from the policy within the next 10 years. The policy is for business purposes and Timor doubts that the coverage would be needed beyond his age 65. Which of the universal life mortality deductions would you recommend to Timor and why?