40 yr old male
1)standard to standard plus based on build and extensive immediate family history of cancer
2)looking for a cash value policy, WL or IUL. Max cash accumulation and ability to take policy loans as needed
3) looking to pay $6000 minimum annually with ability to overfund up to the point where it doesn't MEC
4) minimum 20 yr of premiums before any distribution(unless needed, or issues arise)
What would you sell me? I don't need a lot of DB, but rather strictly using this as one means of retirement. I would appreciate your input.
1)standard to standard plus based on build and extensive immediate family history of cancer
2)looking for a cash value policy, WL or IUL. Max cash accumulation and ability to take policy loans as needed
3) looking to pay $6000 minimum annually with ability to overfund up to the point where it doesn't MEC
4) minimum 20 yr of premiums before any distribution(unless needed, or issues arise)
What would you sell me? I don't need a lot of DB, but rather strictly using this as one means of retirement. I would appreciate your input.