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As far as I know, AIL products are non-participating WL and isn't really used for advanced life insurance strategies, such as "infinite banking", etc. That's like finding a policy that waives premiums on the base policy only - which, until today, I thought that's all that Assurity's DIWOP rider did as well as most whole life policies offered.
Most of the stock companies that focus on IULs seem to be abandoning Disability Waiver of Charges and Disability Waiver of Stipulated Premiums - at least in California. It makes it more difficult to find products that will self-complete, aside from mutual insurance companies, of which, Assurity is one.
I know Guardian has a "Disability Waiver of Stipulated Premiums" (which would cover the entire premium, not just the base policy), but with their high cost of borrowing (8%) and complex dividend options... I'm not exactly a fan.
Most of the stock companies that focus on IULs seem to be abandoning Disability Waiver of Charges and Disability Waiver of Stipulated Premiums - at least in California. It makes it more difficult to find products that will self-complete, aside from mutual insurance companies, of which, Assurity is one.
I know Guardian has a "Disability Waiver of Stipulated Premiums" (which would cover the entire premium, not just the base policy), but with their high cost of borrowing (8%) and complex dividend options... I'm not exactly a fan.