When you guys are designing IUL's... what typically is your target %? I don't do alot of IUL, I do much more WL. But when I do, I design max funded the comp portion is always quite low. I want my clients to have a good chance of succeeding, and have the ability to build the most cash they can with the dollars they spend. I just ran one with $18k annual prem, target is less than 30%. That is how I like to run them, for the best interest of my client. I absolutely hate when I come across one that a client has with target at 100% of the premium. Or worse, they are paying min payment "because the agent said they could and it would still work". I have a client that has one like that, he is still paying min payment even though I told him it wont last if he doesn't bump up the premium. Funny, he got mad about it when I told him... but still hasn't done anything about it (4yrs later).