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You need to determine if cheap DB or accumulation is most important to them. We like GUL when the client is looking for cheap death benefit. For accumulation, it would be best to use UL or IUL, if they are going to over fund. Sagicor has a great GUL.
Sagicor just ditched their GUL. They now have a No Lapse UL with a 5 year basic no lapse guaranty and an extended no lapse for 5+. North American has a GUL.
GUL is really "perm term" and for those who believe in the "buy term, invest the rest" GUL makes 'sense' to them. While whole life is a better value, many young people just can't afford a large policy. Often a 'blended' plan of term (or GUL) and WL works well for young people.
The Buy term invest the difference crowd don't usually want GUL or anything permanent. They want term. They plan to be rich at the end of the term. That's how that works.
The people that don't buy into that sort of thinking are the GUL buyers.
Which state?.............