I wouldn't frame it that way. If you pick one because "its better", it will disappoint the client and you'll get blamed. Instead, frame it as a choice for the client. A) I have a product that has a greater upside potential. But, the market may not do what we need to get you higher credited interest. OR B) I have a product that is nice and steady and should crank out decent cash value growth for years to come. It will never have the highs, but then it won't have the lows either, just nice and steady. OR C) We can do half the premium into each and give you a bit of both. If the client picks, he owns it and has bought into it. Plus, you aren't a named defendant down the road.