Foresters SmartUL is a universal life insurance product that has a fixed interest rate. This is a great product for clients who would like a safe place for their money and would like cash accumulation. This product is also available in all 50 states, so every agent can benefit from this course! In this course, NAA Product Specialist Gina Hawks will explain how SmartUL works and what riders you can offer your clients with this product. Once you’ve passed this course, you’ll have all the knowledge you need to offer Foresters SmartUL to your clients!