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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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Three things to understand about IUL policies: The return assumed in an IUL policy is not the return that your cash value increases by. There are fees to cope with in an IUL policy that can conceivably eat up more than your annual gains in a weak market. The cap on your IUL returns can …

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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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Did you know, that a withdrawal from any type of Universal life insurance policy, is substantially different than a withdrawal from a Whole life insurance policy? Policy loans may also affect universal life insurance and whole life insurance products differently. On this show you’ll hear what you need to know about policy loans and withdrawals. …

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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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Some advisors tell you to Buy Term Life Insurance and Invest the Difference, but there is a better way (no secret). 🤔 Some advisors tell you to Buy Universal Life Insurance (UL, VUL, EIUL or IUL variants), but this is really a pre-packaged form of the same strategy 🎁 – Buy Term and Invest the …

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