Do your clients have money sitting in CDs, earning a poor interest rate, yet they keep these CDs due their concern over liquidity? Maybe these clients also want to pass this money onto future generations, but are always concerned that they may need the money. Your clients now have an option that offers them Return of Premium.
This table is assuming a 65, healthy female purchases a $100,000 CD, earning a 2.30% rate of return, and a $100,000 single premium life policy with return of premium. She will always have the liquidity she desires, but also has a much more sizable death benefit if she were to pass away.