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I think one of the best ways to deal with the "permanent life insurance is too expensive"... is to agree with them.
I created the attached as a way to compare term with a base WL and a minimum DB/Max Cash IUL. I simply show them that the base WL in my example is what most everyone is talking about when they say that cash value life insurance is too expensive. After 2 years of paying $10,000 per year, it only shows $23 of cash value. Yet, compare that to the IUL I show, and you have over $10,000 in year 2. Which one looks better?
So, I can agree with them AND show them that I have a better way.
I created the attached as a way to compare term with a base WL and a minimum DB/Max Cash IUL. I simply show them that the base WL in my example is what most everyone is talking about when they say that cash value life insurance is too expensive. After 2 years of paying $10,000 per year, it only shows $23 of cash value. Yet, compare that to the IUL I show, and you have over $10,000 in year 2. Which one looks better?
So, I can agree with them AND show them that I have a better way.