The best approach to designing an Indexed Universal Life (IUL) policy hinges on tailoring it to the unique needs of the client. If the primary goal is to build tax-free wealth for supplemental retirement or college planning, a recommended strategy is to set up a Max Fund contract with Option B (Increasing Death Benefit) initially, transitioning to Option A (Level Death Benefit) after premium contributions. On the other hand, for clients seeking to address estate tax concerns, a suitable design involves prioritizing maximum Death Benefit through a guaranteed IUL. The key is aligning the IUL's features with the specific financial objectives of the client. Hope this is helpful.

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