Indexed Universal Life (IUL) Insurance
What you don’t know about IUL's can harm you financially
We help protect families by providing free IUL policy reviews & analysis along with expert guidance to ensure you have the right financial product that aligns with your goals & vision around money
Did you know this before you purchased an IUL?
Your policy can lapse even if you make all scheduled premium payments.
"You can't lose money in the market" is true, but only a half-truth. You can still lose money in your policy!
The cost of your insurance is guaranteed to increase every single year.
The insurance company can increase the cost of your insurance at their discretion, at any time.
IUL's started rising in popularity in 2009 and has virtually no track record of long term-success as a retirement income vehicle.
The IUL illustration used in sales presentations neglects to show real world market performance, including zero or negative years in the market and it's impact on policy performance and stability
IUL salespeople rarely understand, yet alone disclose the downside and danger of their product
Most of IUL's success has come during the longest bull-run of the market we've seen in history (2010 to present), which is success by default, not because of the specific product's performance
What Top Industry Experts Say About IUL's
Bobby Samuelson
Insurance Industry Master Consultant
With IUL, you're hitting caps, you're hitting floors and if you don't build in a lot of buffer of equity in the contract you may end up accidentally lapsing your policy and having a big income tax bill.
IUL actually does have downside loss potential because every time you go to zero percent your policy charges are coming out, your account is coming down.
If you're going to borrow from an IUL policy you need to realize that it's much more volatile and there's a lot more risk. With an IUL policy your risk of lapse is exponentially higher, the question is are you being compensated for that risk, and are these policies going to perform better?
Garrett Gunderson
Wealth Visionary & Expert
Some salespeople will offer alternatives with unlikely outcomes that put your capital, and therefore your legacy, at risk. The most common is indexed universal life (IUL), which creates unnecessary risk and can be a problem.
Some books and salespeople use marketing terms like “LASER fund” or “LIRP”. These are sold as whole life alternatives, depending on performance in the market, where funds buy options for the index to perform. But there is a cap rate (the upside is limited), and a myriad of other factors that are about chasing returns rather than protecting your money.
Don't be fooled. Most people are using this as a tax-efficient alternative to investing, which means that there are additional risks, such as the cost of insurance potentially increasing and putting your capital at risk. If the increased cost isn't covered, the policy can lapse and even cause a taxable event.
Chris Kirkpatrick
Financial Freedom & Insurance Expert
I've seen numerous individuals significantly harmed by IUL policies, grappling with surrender charges, liquidity problems, market performance challenges, and policy design complications.
While some argue that designing policies for minimum death benefit and maximum cash value can mitigate issues, I must emphasize that even with optimal design, there are too many aspects of the policy beyond your control.
This uncertainty contradicts the reason for utilizing a life insurance company.
Tom Wall
Wealth Strategist & Life Insurance Industry Consultant
IUL can work, but I don’t see the point.
It’s been said that every product has a market it serves, but in my opinion based on all that I’ve seen and studied, the odds are stacked against you with IUL.
The company has all the control, can change caps, guarantees nothing over time, and your best case scenario even if they honor those projections is what you’re likely to get in whole life insurance anyway.
Insurance should create greater certainty and control, not less.
Top 10 IUL Red Flags
#10 Internal costs are not guaranteed
#9 Mortality charges are not guaranteed
#8 Market drops cause double pain
#7 Late premiums kill any guarantees
#6 Dividends from the index don’t get credited
#5 Participation ratios are often less than 100%
#4 Returns are usually capped at various interest rates
#3 Guarantees are not calculated annually
#2 All of the above can be changed by the company
#1 The risk is shifted back to the insured (person policy is written on), which it the direct opposite of insurance
Biggest Lies From IUL Salespeople
"IUL's are 'cash value insurance' just like Whole Life"
IUL is NOT a type of Whole Life Insurance, they are built on a Term Insurance chassis
"Upside potential with downside protection"
But also means your account won't grow enough to recover from inevitable market losses
"You're invested in the S&P 500"
It's more accurately a call option strategy with it's own hidden sources of costs that effect policy performance
"If the policy gets into trouble, we can just lower the death benefit"
Which takes away from your legacy to your beneficiaries and your desire to help them succeed financially
"It can serve as Long-term Care Insurance"
But it runs the risk of lapse during the critical, later years of the policy when you'd likely use Long-term Care
"Wealthy families like the Rockefeller's used 'cash value life insurance' (meaning IUL)"
Falsely making the consumer think that the IUL, which originated in 1997, was somehow used in the early 1900's by current billionaire families and is a secret hack of the rich
WHO IS THIS FOR?
Already Purchased An IUL
Like many, you may be questioning the purchase of your IUL as it's not performing up to promised levels even in the first few years. You might be having second thoughts, and you'd like a second opinion to see what your options are moving forward
Looking At Purchasing An IUL
There's a ton of hype surrouding IUL as an amazing financial product with virtually no negative aspects. Ironically, proponents of them, rarely, if ever discuss the dangers and downsides of IUL's, something you need to be fully knowledgeable of prior to making an informed decision about if this product aligns with your goals & vision of wealth.
Currently Losing Money In An IUL
Quite often, people experience a loss of money in their IUL's, leaving them feeling helpless, scared, regretful, and in financial fear. You may have options to help save as much as possible, but you need to know the full scope of the situation and have expert guidance on how to navigate this situation with minimal financial ruin.
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