The past isnt an indicator of the future but that being said, how comfortable is the community here with the outlook/performance of IULs? We're looking at potential upswing rewards (IUL) vs safety (WL) at the cost of $20-$40 for the possibility of using the CV to help supplement income and other purposes, but between the two when illustrated, the numbers are not that far off. Not sure what the majority/consensus is on running IUL illustrations but Im running them at 4% - 5% to make it more realistic, barely beating out WL illustrations depending on their crediting rate. I start with premium (target/input) to get a ball park estimate then go from there and max fund while avoiding MEC guidelines. Starting to think I ultimately need to get myself a WL policy. Maybe Im just losing my marbles too early here. --If anyone has public articles or links to structuring IULs and what not, it would be much appreciated. Wouldnt mind soaking up new information for reaffirming my understanding etc.