Here's a recommendation I received. Thoughts??? "I lowered the premium for the two kids, because I added term to the parents, and instead of taking away from their CV contributions I took away from the kids. I ran this all with Minn life, 1 because I have a current issue with north american where the lowered 12 of my clients Cap's after the first year of their policies, and two especially for the wife they can be difficult with the underwriting side. I like Minn Life because they are a mutual company, easy to lead that to the client as well. You will notice the kids have a great opportunity to build some serious cash through their life, we can alter it to solve so they both have equal cash roughly, you'll see the 1 year old has a lot more than the 5 yr old. Husband 24. $2,400/yr – Minn. Life Orion IUL. Starting DB is $112,362. Age 65 DB = $732,221 Age 65 CV = $610,185 + 30 year term, $400,000 = $27.02/m minn life advantage elite Wife 26 – standard. $2,400/yr minn life orion iul Starting DB is $144,942 Age 65 DB = $643,124 Age 65 CV = $500,132 + 20 year term, $400,000 = 27.47/m minn life advantage elite Kid1-5YO Minn life orion. $2,000 annual – Starting DB- 193,023 DB Age 22-253,652 CV age 22- 62,291 DB age 65 - $1,849,031 CV age 65 - $1,540,859 Kid2-Almost 1yr old $2,000 annual – Starting DB- 225,409 DB Age 22- 698,966 CV age 22- 82,326 DB age 65 - $2,641,696 CV age 65 - $2,031,259 "