#108 | Accumulation Products – Post 3

Selling life insurance for its accumulation performance is an imperiled proposition, if for no other reason than our industry's established track record of over-illustrating and under-delivering. If we strip the performance part out of the story, we're still left with the idea of life insurance as a tax advantaged wrapper and as a tool for capital preservation, which is best embodied in traditional UL and Whole Life products. In a rising rate environment, capital preservation in fixed income is a real benefit that makes life insurance a worthy part of a client's portfolio. But, fortunately, that's not all we have. We can still sell life insurance for life insurance.