Originally Posted by EasternShore
I've got a well-to-do 63 y.o. NT client who's interested in buying 500K of WL. Any suggestions? Thanks guys!
You really need to clarify the client's goals with this. A traditional Participating WL policy will have a higher premium than a non-par WL policy. But the Par WL will have an increasing DB and the non-par will be level.
If the client wants/needs an increasing DB then go with WL. If they want/need a level DB, then go with GUL. If they want the cash value then go with WL or IUL.
For participating WL look at Mass, Guardian, Penn, or Ohio National.
For GUL it will really depend on his health. NA if he is in excellent health. LFG or Protective if not.