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A lot has changed with IUL and what we can assume when constructing projections for cash values. There was a time when the parameters were far too loose. Then we saw AG49, which sought to bring things back down to reality. The problem has always been an unrelenting focus on what the “average” index assumption is. We’ve argued since the dawn of time…
 
In the interest of building newer and sexier ways to lure you into buying life insurance, agents and marketing organizations think it would be super nifty if you harnessed the extra buying power of a bank's money to make the policy you can buy even bigger! The idea looks something like this, buying more life insurance provides you with even more ca…
 
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