Howdy

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 luvindy wrote:

Serious question...why does everyone have the same VUL and other shit? Do they explicitly comp you to sell that shit, or is it somehow indirect? Or do the sales guys think it's best because they're somehow trained that way?

When I left there in 2009 nobody was writing the vul, everyone was whole life.
Since the dividend has fallen over the past 17 years almost every year, combine that with the rise in iul and how it illustrates much better than whole, I imagine most northwestern guys are forced to switch over to vul to compete since nml doesn't have an iul.