So I have been wanting to pick up an Indexed Universal Life company, but have been having a hard time choosing one that has everything I want (I know, I'm probbly going to be too picky, but...)
Here is what I am looking for:
- an IUL that has the following riders: Primary insured term rider (preferably continuous for life of policy), Additional insured term rider (preferably continuous for life of policy), child term rider
- competitive loans
- lower rates (I know IUL's are not really supposed to be "shopped" for rates, but I do believe to a certain degree it does make a difference)
i looked at North American, but they dont have the riders I like to bundle with the product. I also looked at Allianz, but it looks like the minimum death benefit is $100k (thats rediculous to me, I would like to see one that has a minimum of $25k)
I used to work at Bankers, and loved their IUL, it had many good riders on it, and I always felt their prices were competitive for the IUL (but the company kinda sucked, so that kinda brung down the value of the IUL they had)
anyway, any help?
Here is what I am looking for:
- an IUL that has the following riders: Primary insured term rider (preferably continuous for life of policy), Additional insured term rider (preferably continuous for life of policy), child term rider
- competitive loans
- lower rates (I know IUL's are not really supposed to be "shopped" for rates, but I do believe to a certain degree it does make a difference)
i looked at North American, but they dont have the riders I like to bundle with the product. I also looked at Allianz, but it looks like the minimum death benefit is $100k (thats rediculous to me, I would like to see one that has a minimum of $25k)
I used to work at Bankers, and loved their IUL, it had many good riders on it, and I always felt their prices were competitive for the IUL (but the company kinda sucked, so that kinda brung down the value of the IUL they had)
anyway, any help?