Gul

[blue_wynd]

My WL is paid up at age 65. My wife is a 20 pay. Got 10 pays for my kids. I will be adding some guls, term and maybe a little more WL later for myself and my wife. We are on the lower end of the age spectrum and I will be adjusting our insurance program as needed. So I think it really depends on what stage and income level a client is at.

 

[GoCubsGo]

Check this out!

http://www.lifeinsuranceadvisorsinc.com/articles/individuals/UniversalLifeNoLapse.pdf

http://www.peterkatt.com/articles/AAII_jul2003.html

 

[westcoast]

The real funny thing is that the younger crowd (age 35 lets say) will have a 95% chance that the policy will be surrendered, lapsed or paid out before age 65 with a WL or UL, etc.

Soooo, dividends really don't matter much in a real world sense.

not many people have real money either. probably less than your 5%

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Check this out!

http://www.lifeinsuranceadvisorsinc.com/articles/individuals/UniversalLifeNoLapse.pdf

The Potential Problems with Lo-Lapse Premium Guarantees

Thank you for that post!!