Please reference my earlier blog post - AG 38 = Increased Reserves, Higher Premiums!
Penn Mutual has released a new Indexed Universal Life insurance plan which includes 4 additional options for your investments inside the policy. It includes International funds which have had a higher average returns in the past 5 years than the S&P 500. It also has a 30 year minimum guarantee built-in, and includes the same living benefits for critical and chronic illness and lifetime retirement income. I believe this new type of coverage will be more beneficial to you than the current IUL you have quotes for. We can choose either type of plan before November 30 when the current version will be discontinued. I can run a quote for you if you'd like to see some numbers.