flinsuranceguy
New Member
- 9
For those who sell iul policies. which premium strategy is better 1) daily averaging or 2) 1 year monthly averaging and why?
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Annual point to point is the ONLY strategy where the client will not question why he earned "less than market performance" with his investment. Every other alternative, while it may outperform, also risks that lovely conversation.
Yearly Point to Point is almost ALWAYS the best option on an IUL. Monthly average is usually less than the Yp2p. Daily average is usually less than monthly average. Participation rates with a spread can be a good one to mix in with the Yp2p.
I like when points like this stand the test of time.....
I cant tell if thats sarcasm or you being serious remember we are talking about IUL and not IAs... there is a difference...
Being serious.
Gotcha.
With the very high caps on IUL there is no reason IMO to use any other method.