Avoid Making No Lapse Guarantee Your Final Sale

Many of us are aware that No Lapse Guarantee (NLG) is feared to be the final sale you will make to a client. With little to zero cash, the option for future planning down the road is greatly diminished. Sure, we can do face reductions if things change, but what if the client wants cash back? We have a few carriers with riders with ROP at specific times, but why not use a product that

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