Do over funded IUL premiums count as debt for mortgage applicatio

[Craig Lessler]

For purposes of calculating a Debt to Income ratio for a Fannie or Freddie loan, does the premium paid each month on an over funded Life Insurance policy (IUL) count as debt?  Or do you only count the portion paid for the actual insurance and not count the over funded portion of each payment?

Also, if contribute to a large sum to a retirement plan, does that count against you in the calculation of the debt to income ratios when applying for a Fannie or Freddie loan?