cover mortgage 1 5

18 4

, 50 2 25
total
1,000
20

rate.

(policy) insured) beneficiary owner

trust primary secondary

primary primary
secondary contingent

irrevocable trust , .

1-2

9.6%
count on term( )


risk

(term)(permanent) 10 20 30

Return of Premium Term)

20-30
50%
Whole Life,
Variable Universal LifeVUL Index Universal Life Whole LifeWLWL

WL dividend),
WL WL

WL98, 98
WL WL WL
15 WL WL

VUL

10-12%VUL
10 VUL VUL
cost of insurance) term,
cover 40-50
60-70
2

VUL
40
VUL VULIndex UL(IUL)
VUL VUL
IUL index S&P500 S&P S&P
1-2%
, IUL

WL VUL 15 20
Guaranteed UL GUL
WL VUL GUL 3 5 10
15
lapse), 100 110 125 , WL 20%30%.
GUL
GUL deal.
Guaranteed Survivorship UL(GSUL) secondto-die GUL
GSUL GUL

offer, rate
underwriting 3-4
information
offer.
agent

agent

1-2

2 policy date) 2
2
2 2
2
2