Lincoln and Pru's guaranteed VULs has been cheaper than their GULs for years. I guess companies are figuring out that they can do something similar with IUL.
Is there still a need for life insurance agents to get quality IUL training??
- Thread starter Jason T Brown
- Start date
- 10,361
Seems so with AIG at least. Maybe I should check other carriers.
I would hesitate with certain clients, but as long as they understand that the CV is only there if they "cash out" of the policy totally, most should be fine (that could be a great selling point for some). I just worry about them tapping into those possible funds 20 years in the future and losing the contractual guarantee on the DB. Someone in an income bracket that likely wont need the money or be tempted, Id do it all day long.
Similar threads
