Abrasax
Guru
- 399
Not sure if I’m looking for indexed universal or indexed unicorns here. I haven’t written IUL in a while and do mostly FE but would like to have an option for children, healthy adult IULs. To be clear I’m looking primarily for a middle market CV building IUL with low face amount options that will issue quickly. Not whale hunting top earning execs. Don’t have that kind of patience. So face amounts under 300k should be fine.
Living benefits with critical illness is important. This makes it easy to sell. Having a guaranteed option is also great but I’m not sure if you can get the guarantee and the CV building power at the same time.
Non med is extremely important if possible, but NLG taught me non-med does NOT mean express issue. So the faster the better.
I’d be willing to sacrifice some commission if such a thing were out there. Does this IUL exist?
Living benefits with critical illness is important. This makes it easy to sell. Having a guaranteed option is also great but I’m not sure if you can get the guarantee and the CV building power at the same time.
Non med is extremely important if possible, but NLG taught me non-med does NOT mean express issue. So the faster the better.
I’d be willing to sacrifice some commission if such a thing were out there. Does this IUL exist?