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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 “outperform the index”[i] on which the IUL is depending on for its cash value growth. IUL …

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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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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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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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The name is catchy—”Wealth Beyond Wall Street.” Most people want to find wealth beyond Wall Street in order to avoid risk while still achieving their financial goals. And nobody willingly turns down financial safety, so everybody is interested in becoming a safe money millionaire.But here’s what’s actually going on with the theory behind Wealth Beyond …

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Purchasing vacation homes, visiting grandchildren, traveling abroad, working a rewarding part-time job, and taking up a new hobby are all common goals for new retirees. The problem is most of these things cost money. In addition to your lifelong goals, unexpected medical needs or family crises will likely become an added expense during retirement. No …

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The purpose of Whole Life Insurance is to provide coverage for the insured, for their entire lifetime.  Traditionally, Whole Life Insurance is a consumer demanded product that offers more than just a death benefit by permitting the policy holder to build equity in the policy. Paid Up Insurance Equity implies ownership.  Equity is the value …

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