Hi Guys, Long time lurker. Love the forums. I really should've posted this a month ago when this saga first started, but I was really trying to trust my IMO's lead and not get distracted with too many opinions. Now I'd love it if you guys can study my cases and see what I could've done better. Basically I went from having no real IUL experience(I'd only written 1 small 50K face amount case with F&G earlier this year) to currently working 17 cases that have all popped up within the past 30 days. 6 of the 17 haven't been written yet, so before I do, I really want your help to make sure I've been doing the best by my clients so far. Here's the furthest along case: Family of 7: Dad-51yo Currently Uninsurable due to having stage 2 cancer in 2015. Wife 36yo Good health Oldest kid 19yo Good Health 4 Younger kids ranging from 9mos to 9 years old. They all had 150K Policies through WFG that were set up back in 2015. Dad qualified as Standard then so of course I advised him to hold on to it for now at least. They were putting about $50mo into each of the kids policies and maybe $70 into the wife's. Dad's goal was to have some money to contribute to the kids college and then have the kids use each of their policies as a bank for things like weddings, house down payments etc. He was planning to only pay into the kids policies for about 10 years. He wanted his and wife's policies to be used as supplemental income in retirement. He planned on paying into his until retirement(Age 65 or 67). He was under the impression that he'd be able to do all of this with his current plan, I felt like he was given unrealistic expectations from the agent who sold him before so I tried to adjust those. Even longer story short, here's what we ended up putting together: Dad: Keep current Policy Wife: Replace current policy with 400K Level IUL with NA @ $290mo. Pay until SHE is 65yo(29years). 19yo: Replace current policy with 250K increasing IUL with NA @ $75mo for 5 years, then $125 for 5 years, then kid takes over and pays $200 to age 60. Kids: All have the same Plan. Replace Policies with 200K increasing IUL with NA @ $75mo for 5 years, then $125 for 5 years, then $150 for 5 years. Kid takes over at AGE 30 and pays $200 to age 60. Thoughts?