IUL leads are expensive. Maybe better to sell them? It's a complex product with a lot of nuances. And writing it the wrong way can really mess up a family. They can be designed to provide income or stability (or both if done right), but there's a lot of moving parts and it's easy to screw up. Usually, people of higher intelligence buy them, so it's important you know much more about them than your client or you'll look like a tool. With all the time it would take to learn them well enough to custom build them, you might be better off not losing focus on the senior crowd. Think of how much SIWL you could write instead of learning a product that you'll only sell a a few times.