4d • General discussion
IULs are powerful, but only when you understand who they’re for.
Not everyone needs an IUL.
Not everyone qualifies for one.
Not everyone should be pitched one.
But the people who do need one?
You can literally change their retirement trajectory.
Before selling a product, master the questions that help you understand:
What they want long-term
What they fear financially
How much risk they can tolerate
What they hope to pass down
IULs aren’t about illustrations.
They’re about listening.
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IULs are powerful, but only when you understand who they’re for.
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