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The founder of the Infinite Banking Concept (IBC) was pretty adamant about NOT using IUL in exercising this financial concept.  This is because he understood IUL could end up costing the consumer big time as IUL is NOT guaranteed to be sustainable overtime. Many IUL agents are quick to make light of this accurate analysis, …

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Reduced risk, flexibility and the opportunity to increase your cash value is what Indexed Universal Life Insurance (IUL) promises for those who are looking for a permanent life insurance policy. The objective goal of an IUL policy is to profit from the upward movement in the underlying index[i] on which the IUL is depending for …

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Permanent life insurance is often overlooked when it comes to financial planning. Typical financial planning says, “buy term and invest the difference.” Few people actually understand the long-term benefits that a permanent whole life insurance policy can give them. The major advantages include tax-free death benefits and annual dividends. However, not all permanent life insurance …

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🗞Everything you need to know, and probably more than you’ll ever need to know, about Indexed Universal Life Insurance (IUL). Universal Life Insurance has been promoted since the 1970’s. IUL insurance is even more recent, but still based on the same idea of buying term insurance and investing the difference. If you like risk, fees, …

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It is common to see a table of past index performances in an Indexed Universal Life Insurance (IUL) illustration. These performances are always accurate but can be misleading if you don’t comprehend how past performances relate to creating value in an IUL policy. Historical data provides little to nothing in helping you project what the …

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IUL is no way to get great guarantees on your money. If want to help your friend, you might be able to pay them the commission they would have earned if you bought the policy from them, and still come out ahead! 😳 IUL is a hybrid insurance product based on term insurance where the cost …

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Beware of Indexed Universal Life (IUL) where guaranteed values are not long-term guarantees. Participation rates, cap rates, a different expense ratio or mortality experience can drastically affect your real experience and actual policy values.

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Why we NEVER recommend or sell Indexed Universal Life (IUL) insurance and what you need to know to grow and protect your wealth.

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Overview Indexed Universal Life Insurance (IUL) consists of two parts. Term coverage, to provide a death benefit, and a cash account, to provide cash value. There are two types of term insurance, Renewable Term and Level Term. Renewable Term Insurance Renewable term is the most expensive way to buy insurance. The Insurance Company looks at …

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“A good person leaves an inheritance to their children’s children, but a worthless person’s wealth is stored up for the righteous.” This verse from Proverbs 13:22 is a reminder for us to take into serious consideration what kind of legacy we are creating, not only for ourselves, but for our children and grandchildren as well. …

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