National Underwriter Article

Thanks you for your interest in the difference between Whole Life insurance and EIUL Insurance as a cash accumulator.

We at ECA typically recommend that advisors offer both WL and EIUL (Revolutionary Lilfe) to clients and tell them if they believe the dividend from a WL policy is going to return to the client better returns than the indexed policies, they should buy WL. Our experience has been that the majority of clients choose Revolutionary Life.

To download the chart showing the internal rate of return of several WL policies which also shows the illustrated rate of return (which is nearly 3% higher then the actual averaged return over the last 20-years), please click here.

Illustration Software

            If you are trying to communicate the valueof cash value life (CVL) insurance and motivate your clients to buy it, , youi'll want to get a look at the charts and outputs from ECA's proprietary illustration software.  One comipares building wealth with mutual funds to CVL and the other compares growing wealth with a tax deferred plan like a 401(k) plan to CVL (after tax).  To lear more about the software, please click here. Simply put, the outputs from the softare are awesome!