Penn is one of the best WL products on the market. Imo, they are the best for CV along with MM. They allow a higher ratio of PUAs than Mass does (I think it is 10x or 12x base). They also allow lots of flexibility in when to do PUAs.
Penn also offers an Overloan Protection Rider which is unique for a WL policy.
Mass has a great LTCI Rider but they do not allow PUAs along with it. That is because the LTCI Rider uses Dividends to increase the LTC benefit amount. Use the 10 pay with this product and you still get very strong CV performance considering the other benefits. It is also a true LTCI type of benefit and not a Chronic Illness benefit like most ULs have.
how are you getting a 10 to 1 ratio??
I use on a 10000 premium .. I"m getting a 4 to 1 ratio...
I use the FPR rider and the Enhanced PUA to "fill in" .. what am I doing wrong?