Hey everybody I'm new to the forum and Just became an independent agent. Was with New York Life before. When I was at New York Life I heard nothing but bad things about IUL. Iv since then opened my eyes to the product and see it was not what they made it out to be. However, I still have a few questions. Has anybody here experienced the policy lapsing on a client? Also, I was looking at a illustration with NorthWestern and it looked phenomenal. 2400 annual premium for 16 years, thev payer stops paying and is able to withdraw about 46,000 a year, beginning in year 30, for the rest of there life.
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