WL repricing

[Tahoe Ray]

Same---Leaders group.

 

[ehall2]

I haven't sold VUL in many years so policies may have changed but the thing I didn't like about VUL were the fees. It was loaded with fees so you had to make a good return.

 

[Tahoe Ray]

I haven't sold VUL in many years so policies may have changed but the thing I didn't like about VUL were the fees. It was loaded with fees so you had to make a good return.

Guaranteed VUL currently has a lesser premium requirement than GUL. So if you're buying it for that reason (death benefit), the fees are irrelevant.

If you're buying for cash accumulation, you absolutely need to be wary of the fees. You can mitigate that by being picky with your carriers, keeping the death benefit as low as possible, max funding the policy, and choosing sub-accounts that have lower expenses.