What is the Best Company to Write Universal Life With?

I want to give my clients the best Univeral life cash accumulation policy out there. I here people say it is North Western Mutual but I am an independent broker and cant sell them. So I was wondering if it is: Genworth, ING, .......
 
:D:D:D

Oh my lord! NWM is known for many things, but not UL. I've heard if you sell too much of it, your manager sends you off for a psych evaluation.

For UL, there are many, many companies out there with a focus on it. It also comes in a lot of flavors, cash accumulation UL, no lapse UL, indexed UL, and variable UL. Some good UL companies include but are not limited to LFG, ING, Genworth, PacLife, North American, John Hancock and many, many more.
 
I've been researching this very thing recently. So far I've liked what I've seen from Aviva, Penn Mutual, Life of the Southwest, North American, and ING.
 
Do you have to have a series 5 or so securities license to sell variable UL ?
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who pays best commissions as a whole on UL ?
 
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Do you have to have a series 5 or so securities license to sell variable UL ?
- - - - - - - - - - - - - - - - - -
who pays best commissions as a whole on UL ?

Yes, you need a series 6 or 7. Additionally, in most states you need a series 63 or 66 as well. As to the best commission, there are so many variables that go into determining your commission on UL, there is no clear answer. Target premium is a big factor in this.
 
What Vol said,
and Company A may pay 100%, Company B pays 95%. Company B may be better comp wise if they pay a rolling FYC up to target. However, Company C maybe the best price or have the highest cash value or best underwriting or most desirable riders or......

Comp is going to be pretty close on most of them. It will be lower on the list of reasons to write a particular policy on a particular client. There is no best.
 
What Vol said,
and Company A may pay 100%, Company B pays 95%. Company B may be better comp wise if they pay a rolling FYC up to target. However, Company C maybe the best price or have the highest cash value or best underwriting or most desirable riders or......

Comp is going to be pretty close on most of them. It will be lower on the list of reasons to write a particular policy on a particular client. There is no best.

I will add, a submitted, approved and paid case always, and I do mean always, pays better than an unsubmitted, unapproved or unpaid case. :1wink:
 
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