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.

The most successful clients take radical responsibility for their lives and money decisions. We teach wealth building systems that put you as the only variable to your financial success and give you the tools and resource to ensure your success.

MY BELIEFS ABOUT WEALTH

  • The wealthy handle their money differently than the middle class is indoctrinated to do with theirs

  • Middle class money advice is designed to benefit the institutions, keep you a slave, not put you in control of your money, or live an empowered life

  • Listen to those about money who have achieved what you desire and their beliefs are in alignment with yours

  • Money is a tool to carry out your God-given purpose

  • Money is the ultimate magnifier of the heart

  • Your financial strategy can accelerate your goals, boost your confidence, and raise your vibration

  • Don't work for money, work so money can work for you

  • Build passive cash flow for time and choice freedom, you don't have to wait until retirement to do this

  • I deserve to experience wealth and enjoy money along the way without sacrifice, scrimping, or shrinking!

  • If you desire money, you have a moral and ethical obligation to earn as much as you can to positively impact others

MY BELIEFS ABOUT ABUNDANCE

  • God created us to expand, serve and live abundantly

  • Grow yourself as much as you grow your money

  • Doing the inner work and removing subconscious interference is key to building and keeping wealth

  • Challenge the status quo and ask different questions to get better results

  • You either win or learn, there's no such things as failure

  • It's my responsibility to leave the next generation better off than me

WORKING WITH US:

Wealth & Abundance requires both the deep inner emotional & energetic work + the financial strategies & systems for permanent transformation

Throughout the process we empower you to make the best financial decisions for your family, business, goals, and legacy!

Debt Elimination & Optimization

Learn to eliminate toxic debt and leverage good debt

Money Efficiency

Discover where you're leaking cash flow and how to keep more money

Strategies To Scale Capital

Connections & introductions to private funds, trading courses, etc. to grow capital

Team of Accounting & Tax Professionals

Protect your business and practice tax avoidance to keep more of the money you make

Inner Work Sessions

Changing the way you think and your energetic state are vital to sustained wealth

Legacy & Generational Impact

Create a legacy of purpose, wealth, and wisdom so your heirs can live their best life on the shoulders of what you created

ABOUT US

After being struck on foot by a car with a young family, we were searching for better financial answers. Through our struggles, we've found the financial solutions so many intuitively know exist, but don't know where to find those answers.

We've always looked for leading-edge information, experts, & strategies from natural & energy healing to personal development, to wealth creation. Our desire is to see you live your best life, one filled with time & money freedom and inner & outer harmony.

Hear What Our Clients Say

George Owens

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nisi nunc, tincidunt non nibh non, ullamcorper facilisis lectus. Sed accumsan metus viverra turpis faucibus, id elementum tellus suscipit. Duis ac dolor nec odio

Max Tanner

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nisi nunc, tincidunt non nibh non, ullamcorper facilisis lectus. Sed accumsan metus viverra turpis faucibus, id elementum tellus suscipit. Duis ac dolor nec odio

Kim Wexler

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nisi nunc, tincidunt non nibh non, ullamcorper facilisis lectus. Sed accumsan metus viverra turpis faucibus, id elementum tellus suscipit. Duis ac dolor nec odio

Billy Jackson

Lorem ipsum dolor sit amet, consectetur adipiscing elit. Quisque nisi nunc, tincidunt non nibh non, ullamcorper facilisis lectus. Sed accumsan metus viverra turpis faucibus, id elementum tellus suscipit. Duis ac dolor nec odio

© 2025 Wealth Energetics - All Rights Reserved

Terms and Conditions | Privacy Policy

855-619-6102