Thats a big thing is to make sure the client knows not to take policy loans.
I could write a 20pay on my self for a total of premium outlay of 28,880 or a UL and illustrate it as i have and pay 20,851 and save the other 8,000.
As long as it is illustrated guarenteed and the client understands the plan and its all in writing i think it is a better deal.
That is what i like about this forum being able to talk and learn from other experts, usually more experienced than I am.
I could write a 20pay on my self for a total of premium outlay of 28,880 or a UL and illustrate it as i have and pay 20,851 and save the other 8,000.
As long as it is illustrated guarenteed and the client understands the plan and its all in writing i think it is a better deal.
That is what i like about this forum being able to talk and learn from other experts, usually more experienced than I am.