ROR Enhancement Possible by Clever Design of Hancock GSUL Product

In a recent case, we were able to substantially enhance the Rate of Return generated on premium paid to death benefit received by stepping the death benefit and premium payments on the re-priced John Hancock SUL Product. The attached spreadsheet demonstrates the effectiveness of this technique. For the appropriate client the results are impressive.

It takes a little massaging to get the death benefit and premium mix correct; but it's worth the effort. Please call after you review the spreadsheet.

AttachmentSize
Product Comparison Hancock SUL.xls32.5 KB

Back to top