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@kittyb I'm not seeing enough information to give meaningful guidance about options 2 or 3, both could work depending on the details, but the IUL you're talking about in option 1 would be way underfunded at $99 per month. I'd highly recommend against that option. Might look attractive up...

@charvelguy Wouldn't your customers be better off buying term and getting much more coverage for the same price? Especially if they only want temporary coverage?

@charvelguy A minimum funded IUL is terrible on all levels and is bound to lapse. The no lapse guarantee only lasts for a certain amount of years, then you're screwed. The policy won't generate enough cash value internally to withstand the rising cost of insurance when the policyholder gets old...

@daniel 💯