Ethos IUL case designs
Max Protection
Smart Solve™ for premium or coverage
Max Cash Value
Max Retirement Income “I want an additional source of retirement income I know will be there” “Having a tax favorable source of income in retirement is important “I don’t expect to need much of a death benefit after a certain point”
Things you might hear
“I want to build a nest egg”
“I want life insurance that lasts my whole life” “My family has financial needs that will continue after my death” “I want more protection than I can get from other kinds of insurance at my age”
“How much does a permanent life insurance policy cost?” “I have $[x] a month in disposable income. How can I use this to build long-term cash value?” “I need $[x] of life insurance. How much does permanent coverage cost? ”
“I like the idea of a policy that will be worth more than the sum of my premiums”
“I want to be able to allocate my funds to well-known indexes”
Protection Younger applicants, fewer assets
Accumulation Higher income, more financial stability
For agent use only
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