Breaking news about UL Secondary guarantees:

If you are marketing a universal life policy with secondary guarantees and it exploits a loophole in the AXXX reserve requirements by using creative "shadow accounts", be ready for major changes!

Our top carriers DO set up the required reserves. Guranteed UL's are great products for the consumer, the carrier, and the agent! But only if the rules are followed.

Why not call or email US for an illustration! You will be glad you did - FOR A LONG TIME TO COME!