Actually no I'm not captive. I like the track record of the dividends instead of an up down market scenario. I have sold IUL , not saying it's bad i just prefer the other, that is all .
I think that most of this thread is discussing GUL...
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Actually no I'm not captive. I like the track record of the dividends instead of an up down market scenario. I have sold IUL , not saying it's bad i just prefer the other, that is all .
I would like to look at a illustration on GUL and compare , and I would like to hear your thoughts as to why you prefer the GUL.
Gotya , what is the savings per month on say a 1,000,000 death benefit on a GUL vs wl . And who is your preferred carrier?
Gotya , what is the savings per month on say a 1,000,000 death benefit on a GUL vs wl . And who is your preferred carrier?
wino, i look forward to getting an illustration to compare. give me a bit. i think we need to look at past performance as well, and then look at the different scenarios 10-15-20-30 years down the road, I don't think the most db for your dollar is always right, i appreciate learning form others, once i am confident in my product it makes selling a lot easier. good day
I have agreed with you , every situation is different , another thing is your clients are older, they may be more interested in pure db , where as the younger crowd will like compound dividend cash value, and a predictable insurance factor.