IULS are poweful for the right client! You have to know your client’s goals! A IUL needs to be structured correctly! Solve for cash accumulation or death benefit! For exmple! As a Licensed Life Insurance Agent when you solve for cash value, you are showing your client how the cash value increases over time while the death benefit stays the same or decreases depending on the amount that is being put into the policy. When you solve for death benefit the death benefit can increase over time, while cash value doesn’t increase as much. There are other ways to structure the IUL to meet the client’s needs! I suggest starting out call the carrier and ask the carrier to do an illustration for you until you learn. This has always helped me. Feel free to add to this.

Whay percentage are you getting paid on? Is the company captive or non captive! Do you own your book of business! What products do you have! What carriers do you have! Feel free to add to this in the comment section!