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Dec 19, 2008 8:56 pm

and to support anonymous - we do WL all day - and some huge cases including replacing UL and VUL (my mentor has some $100,000+/yr premium clients). 

  No one has ever come back and said - why did you put me in this product...   the companies selling a lot of good WL (NMFN, NYL, MASS, others too) - have low lapse ratios because people understand they are in the right product and see the value in WL. 
Dec 19, 2008 9:00 pm

the perfect scenario (and one of the only ones) for UL or VUL - company has 5 executives they want to give bonuses too.  you can’t give more to one or less to another through a 401k or other qualified plan - UL is the perfect vehicle.

  i don't see many other situations where it is more beneficial to have UL/VUL instead of a combo of term/perm
Dec 23, 2008 2:29 am

must be nice to work with people who have no monetary constraints then silver.  gaul can be a very good alternative to whole life where the db is the only concern.