Table of Contents: Risks of IUL Policies The Misleading Nature of IUL’s Scheduled Premiums IUL vs. Whole Life Insurance Summary Nelson Nash, the creator of the Infinite Banking Concept (IBC), strongly advised against incorporating Indexed Universal Life (IUL) insurance into this strategy. He recognized that IUL policies might ultimately be more expensive for consumers because …

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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. There are benefits and drawbacks to owning an Indexed Universal Life Insurance policy. This article will help you …

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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.

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

It’s new. It looks exciting. But is it worth it?  Indexed whole life insurance provides life insurance coverage and the potential for accelerated cash value growth through indexed mirroring accounts.   Individuals who are interested in investing may find this type of plan attractive, especially when viewing the non-guaranteed projections for potential growth.  But it’s …

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