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The scary part is we are the "experts"
The problem is that this level of in-depth expertise is on the actuarial level almost.
One thing that always stuck with me, my trainer at NYL always told us to "be very careful of large distributions in the first 5 years". He said "you can get into a whole mess of trouble doing that, WL is not designed for large early distributions".
He never went in depth with that comment, all he said was it was due to the 7702 regs. I always thought it was a MEC issue. But seems like he was probably referring to the recapture ceiling.