csinsurance
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A client is recommended an IUL by an agent from Nationwide. At the same time, He is also been introduced an IUL from North America. Which one is better to choose?
A client is interested in having an IUL with following features:
1. Able to accumulate cash as much as possible
2. Have living benefit without cost include TLC rider with no cost
3. Good cap and floor
4. “0” charge if borrow the money from the cash value account
5. Cost of insurance is transparent. No hidden fee and any unpredicted cost in the future
6. Better % of accelerated death benefit
7. Offer lifetime income rider
Does any IUL have some or all the feature of the above? Any recommendations?
A client is interested in having an IUL with following features:
1. Able to accumulate cash as much as possible
2. Have living benefit without cost include TLC rider with no cost
3. Good cap and floor
4. “0” charge if borrow the money from the cash value account
5. Cost of insurance is transparent. No hidden fee and any unpredicted cost in the future
6. Better % of accelerated death benefit
7. Offer lifetime income rider
Does any IUL have some or all the feature of the above? Any recommendations?