Those are all good options.
The key with IUL (imo) is that it needs to be overfunded. While we don't know what the market will bring, if the policy is set up to max the cash rather than DB, it should be fine either way. I have run into a couple folks that had been pitched IUL as the holy grail with the illustration showing min payment as the option, and interest rate maxed out (prior to new illustration rules). It appears there are some marketers that push min payment for client, max commission for agent. Thats a recipe for disaster, imo.
The key with IUL (imo) is that it needs to be overfunded. While we don't know what the market will bring, if the policy is set up to max the cash rather than DB, it should be fine either way. I have run into a couple folks that had been pitched IUL as the holy grail with the illustration showing min payment as the option, and interest rate maxed out (prior to new illustration rules). It appears there are some marketers that push min payment for client, max commission for agent. Thats a recipe for disaster, imo.
