EIUL or Whole Life for the Infinite Banking Concept

The choice is pretty simple. We have a fifteen year history with EIULs and a really long history with whole life. The design of EIULs and its historic returns tells us they will, over the long run, obtain a higher cash value. Since they are universal LI they also have more flexibility built into them. On the other hand, whole life will always give you a positive return [albeit lower than EIULs], while EIULs will give you a 0-2% [depending on the design] return on years the market index is negative. Your choice, a lower returning, but more consistent product with a long history or a higher returning, better designed product with flexibility but a shorter history.