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

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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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What Is Cash Value Life Insurance? Cash value life insurance is permanent life insurance coverage that includes a savings like component called cash value. Policies built to grow cash value use part of the premium to build a cash reserve that can be accessed during the life of the policyholder. But what types of …

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The unexpected happens. It’s one of the constants of life. You may not be able to completely prepare for an unexpected tragedy, but you can provide financial security for your loved ones with life insurance. When it comes to choosing a life insurance policy, you find there are many different types of life insurance. How …

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