We usually associate hybrids with clients that can afford larger premiums since these products are usually available as short-pay or single pay plans. Likewise, we propose ULs with riders for clients with less cash flow. You might be surprised to learn that for most of your clients, the hybrids provide a better value even though the initial premium may be slightly higher. The lowest initial premium is not always the best option for every client.
This convenient chart shows retirement income amounts for several ages based on much lower monthly contributions to an IUL. Better yet, many of these amounts will not require your clients to complete a paramedical exam or labs.
Let us know if you would like copy of the pdf. This works with individuals as well as groups. In fact, the idea was meant to be used in an employer group setting.