Flexible Prem FIA

[Norwayguy]

Don't a lot of products have rolling surrender charges? Where the new money is subject to its own surrender period or did that stop?

Many do but most of the ones I have written still have an end ie a 7 year rolling surrender but no surrender charge after policy year 10.

 

[AnonymousOne]

.......Norway beat me to it

 

[RINCN]

Please pardon my ignorance in my question, just trying to increase understanding of using different tools for different situations.

When would you use a flex prem FIA vs an IUL for cash accumulation/retirement income play?

Is there a crossover in # of planned years of contribution, age of insured, or $ amt to be contributed that would lead the flex prem FIA to be better than the IUL or vice versa?

(And/or other factors not already mentioned like health of insured/insurability, access to funds?)