Execl 大家都会用;让保险公司给个illustration. 把Data down load 到excel; 两列数字index investment and IUL 比较;把税(on investment gains and dividend) 和利息(even you borrow from yourself, you need to pay interest deducted from contract value or Death benefit)考虑进去;你就可以得出结论;
对估计短寿的人IUL 划算。对大部分人不值