$1 Million dollar premium

[gkatzfinancial]

Agreed. Great portfolio, I was answering to him saying client wants legacy and also cv. Heritage would be interesting use aswell as you get a multiplier of DB for premium and lower indexed caps.

 

[jboussea]

If he asked about IUL, I would show GIUL. It will generate some Cash (if the market does well) and guarantee his DB no matter what. Premiums will be less than WL and more than normal GUL.

Midland/North American have a good GIUL. I think they might table shave on it too.

I like the NA GIUL product but it looks like it's not a true Guaranteed UL as it has a 15 year no lapse guarantee .. there's also the "premium guarantee rider".. is that in addition to the 15 yr no lapse guarantee?

 

[gkatzfinancial]

Don’t know Na much, but i would typically add the guaranteed db rider and then solve to find out premium required to keep policy in place to age 121.

 

[Lloyds of Lubbock]

What dont you like about Mass?
We use them for large cases all the time.
Guardian has a great table shaving program if there is a health issue.
Whole life ..IUL you can do both it's not an either or situation.
NY Life great company as a broker, nightmare to deal with.
We work mostly on premium financed cases, if you have never done one, partner with someone that has .
Best of luck.