College Planning Using EIUL

            Thank you for your interest in learning the math behind using cash value life insurance for college planning.

            Unfortunately, most IMOs and insurance companies are not properly educating insurance agents how to “properly” use cash value life for college planning. Many agents put forth illustrations that are pushed to the max to make them look like CVL for college planning can work well (or worse, that it’s a no lose proposition).

            Unfortunately, when you use real world or more realistic illustration assumptions, CVL does NOT work well for the average client who can’t afford to overfund a policy both for college planning and for retirement planning.

            To download the 10-page summary in a PDF with the math behind five different example clients, please click on the following link:

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