Planners can add great value to their clients by helping them identify the characteristics of a policy or policies that they feel would be appropriate for them over the long term.

Traditional WL is so named because premiums are payable for the insured’s whole life.

This type of policy blends a base of WL with a term insurance component.

CAUL is the quintessence of flexibility.

Flexible like CAUL, offering also a secondary guarantee.

EIUL takes another step by offering the opportunity to participate in the equity markets with upside limits and downside protection.

VUL is a flexible premium policy that allows the policyholder to direct the investment of the cash value among separate investment accounts.

An estate planner should be able to field these inquiries on at least a structural basis.

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