--- title: "Whole Life Vs. IUL: The Great Permanent Insurance Debate" description: Explore the current term-conversion market, Lincoln’s new rules impacting 80,000+ policies, and how Network Insured Connect simplifies term-conversion tracking. image: https://blog.lifebrokeragellc.com/hubfs/Copy%20of%20A%20Buy%20Sell%20Agreement%20Shouldnt%20Create%20a%20Tax%20Nightmare.png --- [Skip to content](https://blog.lifebrokeragellc.com/events/whole-life-vs.-iul-the-great-permanent-insurance-debate#main-content) [![irp-cdn.multiscreensite.com5d1b81cddms3repmultitabletLIFE-Brokerage-final-logo-600dpi-1](https://blog.lifebrokeragellc.com/hs-fs/hubfs/social-suggested-images/irp-cdn.multiscreensite.com5d1b81cddms3repmultitabletLIFE-Brokerage-final-logo-600dpi-1.png?width=1920&height=663&name=irp-cdn.multiscreensite.com5d1b81cddms3repmultitabletLIFE-Brokerage-final-logo-600dpi-1.png)](https://lifebrokeragellc.com/) - [Home](https://lifebrokeragellc.com/) - About - [Our Team](https://lifebrokeragellc.com/our-team/) - [Fundamentals](https://lifebrokeragellc.com/fundamentals/) - [Our Family](https://lifebrokeragellc.com/our-family/) - [Capabilities](https://lifebrokeragellc.com/capabilities/) - [Contact](https://lifebrokeragellc.com/contact/) - [Publishings](https://lifebrokeragellc.com/publishings/) - [Blog](https://blog.lifebrokeragellc.com) [![Advisor Login](https://no-cache.hubspot.com/cta/default/22504740/0baef5b7-2c96-4b21-a572-aad7d1cb2629.png)](https://cta-redirect.hubspot.com/cta/redirect/22504740/0baef5b7-2c96-4b21-a572-aad7d1cb2629) ✖ - [Home](https://lifebrokeragellc.com/) - About - [Our Team](https://lifebrokeragellc.com/our-team/) - [Fundamentals](https://lifebrokeragellc.com/fundamentals/) - [Our Family](https://lifebrokeragellc.com/our-family/) - [Capabilities](https://lifebrokeragellc.com/capabilities/) - [Contact](https://lifebrokeragellc.com/contact/) - [Publishings](https://lifebrokeragellc.com/publishings/) - [Blog](https://blog.lifebrokeragellc.com) [![Advisor Login](https://no-cache.hubspot.com/cta/default/22504740/0baef5b7-2c96-4b21-a572-aad7d1cb2629.png)](https://cta-redirect.hubspot.com/cta/redirect/22504740/0baef5b7-2c96-4b21-a572-aad7d1cb2629) ✖ ![Whole Life vs IUL png](https://blog.lifebrokeragellc.com/hs-fs/hubfs/Copy%20of%20A%20Buy%20Sell%20Agreement%20Shouldnt%20Create%20a%20Tax%20Nightmare.png?width=1280&height=988&name=Copy%20of%20A%20Buy%20Sell%20Agreement%20Shouldnt%20Create%20a%20Tax%20Nightmare.png) # Whole Life Vs. IUL: The Great Permanent Insurance Debate Date: February 26, 2025 Time: 12:00 PM EST Location: Virtual Event [Watch Now](https://go.lifebrokeragellc.com/whole-life-vs-iul-the-great-permanent-insurance-debate-ondemand-webinar) In this on-demand webinar replay, Anthony Mento moderates a candid discussion with Rick Blaser of New York Life and Steve Zimmerman of North American on how Whole Life and Indexed Universal Life are being used in the market today. This advisor-only session explores the structure, economics, and real-world application of each chassis—helping advisors better understand where guarantees, flexibility, liquidity, and design strategy matter most when aligning permanent insurance solutions with client objectives. Topics Covered: 1. What “guaranteed” really means 2. How IUL options are priced and hedged 3. Dividend mechanics vs. cap rate engineering 4. Where Whole Life dominates concept design and why 5. Where IUL is driving sales momentum 6. Financing strategies and multi-access points to liquidity (huge announcement here) 7. Standalone IUL vs. layering inside VUL Don’t miss this opportunity to deepen your understanding of permanent life insurance design and better align each chassis with the right client objective.   [Watch Replay Now](https://go.lifebrokeragellc.com/whole-life-vs-iul-the-great-permanent-insurance-debate-ondemand-webinar)  Tag(s): [Featured](https://blog.lifebrokeragellc.com/events/tag/featured) , [Whole Life vs. IUL](https://blog.lifebrokeragellc.com/events/tag/whole-life-vs-iul) ## [Anthony J. Mento](https://blog.lifebrokeragellc.com/events/author/anthony-j-mento) Adapting to the OBBB: Life Insurance Solutions for Modern Tax and Estate Planning [Access Webinar](https://go.lifebrokeragellc.com/whole-life-vs-iul-the-great-permanent-insurance-debate-ondemand-webinar) ## More from the blog [View All Posts](https://blog.lifebrokeragellc.com) ## [![](https://blog.lifebrokeragellc.com/hs-fs/hubfs/Turning%20IRA%20Taxes%20into%20Legacy.png?length=360&name=Turning%20IRA%20Taxes%20into%20Legacy.png) RTMS Turning IRA Taxes Into Legacy: The Retirement Tax Minimization Strategy (RTMS) March 18, 2026 | Virtual Event Read More](https://blog.lifebrokeragellc.com/events/turning-ira-taxes-into-legacy-the-retirement-tax-minimization-strategy-rtms) ## [![](https://blog.lifebrokeragellc.com/hs-fs/hubfs/Copy%20of%20A%20Buy%20Sell%20Agreement%20Shouldnt%20Create%20a%20Tax%20Nightmare.png?length=360&name=Copy%20of%20A%20Buy%20Sell%20Agreement%20Shouldnt%20Create%20a%20Tax%20Nightmare.png) Featured Whole Life Vs. IUL: The Great Permanent Insurance Debate February 26, 2026 | Virtual Event Read More](https://blog.lifebrokeragellc.com/events/whole-life-vs.-iul-the-great-permanent-insurance-debate) ## [![](https://blog.lifebrokeragellc.com/hs-fs/hubfs/Rescue%2c%20Refinance%2c%20or%20Reimagine%20(1)-1.png?length=360&name=Rescue,%20Refinance,%20or%20Reimagine%20(1)-1.png) Underwriting What Underwriters Don't Tell You January 15, 2026 | Virtual Event Read More](https://blog.lifebrokeragellc.com/events/what-underwriters-dont-tell-you) ### Subscribe to email updates Stay up-to-date on what's happening at this blog and with LIFE Brokerage Email \* [![Logo_KO](https://blog.lifebrokeragellc.com/hs-fs/hubfs/Logo_KO.png?width=200&name=Logo_KO.png)](https://blog.lifebrokeragellc.com/) ### Contact 609-613-4000 [teamlife@lifebrokeragellc.com](mailto:teamlife@lifebrokeragellc.com) 2 Central Avenue Hammonton, NJ 08037 - - - - [Schedule a meeting](https://meetings.hubspot.com/anthony-mento/website-book-a-meeting-link-rr?__hstc=224060164.0a73f74d9681afa608bc0b9d390f9a10.1738171452758.1738680808156.1738951381843.4&__hssc=224060164.1.1738951381843&__hsfp=3017050130) Securities offered through The Leaders Group, Inc. Securities Dealer, Member [FINRA](https://www.finra.org/)/[SIPC](https://www.sipc.org/); 26 W Dry Creek Circle, Suite 800, Littleton, CO 80120. 303-797-9080 [BrokerCheck](https://brokercheck.finra.org/) © 2026 LIFE Brokerage, All Rights Reserved | [Privacy Policy](https://blog.lifebrokeragellc.com/privacy-policy/) | [Privacy Notice](https://lifebrokeragellc.com/wp-content/uploads/LIFE-Brokerage-LLC-Privacy-Notice-05_01_2024-2.pdf) | [CRS Notice](https://blog.lifebrokeragellc.com/wp-content/uploads/CRS-BD-Rev-1-1.pdf) | Designed by [Apis Productions](https://apisproductions.com/) ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Anthony J. Mento", "url" : "https://blog.lifebrokeragellc.com/events/author/anthony-j-mento" }, "dateModified" : "2026-03-31T14:32:23.929Z", "datePublished" : "2026-02-26T17:30:00.000Z", "headline" : "Whole Life Vs. 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