Its not that they dont fit the bill... I explain both to clients pros and cons of each. They can choose. For folks that want potential higher cash value that are ok with having some risk, IUL works. IUL is a great fit for folks that have varying income also. The ability to pay little or alot can be huge for some folks. If they want solid performance with guarantees and no risk, WL works great. I also like the fact that WL can be paid up and turned completely off at retirement. Not that its a big deal on a small premium, but on a big premium its a real nice option to have. No premium payments due in retirement.