Many clients like the idea of getting their life insurance premiums back if they are still alive at the end of their term duration. We have a feature on our 30-year Term Life Express product that offers this refund to clients up to age 50. But, what if you have a client who wants this feature and is 51 or older? We encourage you to also consider an IUL Express policy as an alternative.

Check out this sales idea. It provides an example showing how your clients may benefit from the permanent protection, as well as how they can benefit from the cash surrender value if their coverage is no longer needed.