Most talk and advice regarding IUL focuses on overfunding for income etc. What is the thought on using IUL for permanent death benefit as the focus? I.E. What is conventional thinking on proper funding level, etc. for death benefit?
I feel comfortable running IUL at 6% and funding a little lower than whole life premiums but the range can be enormous. The last thing I want to do is sell a policy that will disappoint the client and embarrass me in the future. What is the general consensus---appreciate everyone's thoughts.
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I feel comfortable running IUL at 6% and funding a little lower than whole life premiums but the range can be enormous. The last thing I want to do is sell a policy that will disappoint the client and embarrass me in the future. What is the general consensus---appreciate everyone's thoughts.
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