From No IUL experience to almost 20 cases in 30 days. HELP!

[Dins]

Consider writing a letter that stays with the policy that sets out the reason for the policies. Make note of any assumptions including that premiums are paid on time and loans aren't taken until xxxx time.

I like this idea. I'll put something together. Thanks!

^^^ one of the reasons I love WL.

Definitely needing to learn more about the pros and cons of each. Looking into LifePro for more education and better guidance for the cases I haven't placed yet....

 

[junkman]

^^^ one of the reasons I love WL.

Everything has its place. Paid up adds can make WL jump but the flexibility of UL is not to be ignored - but the contract has to be understood and monitored.

Selling withdrawals or premium flexibility without full understanding will guarantee unhappy clients.

VUL has enough load and fees as to make it nearly useless.