Either people hate IUL or hype it up! Stock jocks say IUL won’t beat the S&P 500, while IBC-zealots say it’s not as steady as Whole Life. And…they’re both right!
IUL has a unique risk/reward tradeoff. It’s best for a chunk of liquidity you want to keep safe, but still have an opportunity for double-digit annual growth.
IUL can be a unique add-on for IBC and as a retirement buffer. Our in-depth articles & videos dissect how it works and a full examination of IUL’s pros & cons.
– John “Hutch” Hutchinson
Safeguard your cash against market downturns, higher taxes, and future uncertainties with a Max-Funded Indexed Universal Life (IUL) policy. Discover how max-funded IUL minimizes costs, safely builds wealth for Infinite Banking, and offers buffered retirement income.
The pros and cons of IUL are often sensationalized and exaggerated by both promoters and haters. We take a deep educational dive into IUL’s good and bad qualities as well as who should buy Indexed Universal Life insurance.
IUL is meant to complement not replace your retirement portfolio. Its protected growth & tax-exemption make IUL an ideal retirement buffer.
Read our reviews on the best-performing IUL carriers. Understand the company criteria, product features, and policy riders that make these top insurance companies that offer the top-performing Indexed Universal Life policies available today for tax-free retirement income and wealth building.
Comparing IUL vs. Whole Life seems like it would be a simple task, but oftentimes you’re comparing apples to oranges. Below we categorize the various benefits of Whole Life vs. IUL so you can see which product has an advantage and where they are equal.
Comparing IUL to a 401(k) plan is comparing apples-to-oranges in terms of their risk, how they’re taxed, and liquidity available before age 59.5.
IUL isn’t an investment at all, it’s an insurance product. But, it does have unique growth, risk, liquidity, and tax characteristics that can help bolster a traditional retirement portfolio.
Actuarial Guideline 49 has been bolted onto and re-stitched to the point where it’s degenerated into a grotesque monster with a life of its own.
Like the road to hell, AG49’s original path was paved with good intentions. Its stated aim was to alleviate confusion by creating uniformity among IUL illustrations plus additional disclosures to aid in consumer understanding.
Using IUL for Infinite Banking offers the “potential” for better long-term growth & immediate positive arbitrage on borrowing. However, using Indexed Universal Life for IBC also adds additional risk for the policyholder.
This video takes a deep dive into Indexed Universal Life (IUL) and its internal fees. It examines year by year what these fees work out to be and refutes the common claim that IUL is expensive.
This video compares and contrasts the cost/benefit paradigm of Indexed Universal Life (IUL) to that of a hedge fund. This comparison takes into account fees, risk management, taxes, and additional benefits.
Indexed Universal Life’s growth can help both before and during retirement in a number of different ways. In addition to helping you accumulate wealth safely on the way to retirement, IUL can help you safely spend more of your other assets in retirement.
This video looks all the way back to the year 1900 to see how market movements over different periods could have affected Indexed Universal Life insurance. We also specifically reference an 81-year study of the S&P Index to see how capped and uncapped IUL strategies would have both performed.
This video explores the common criticisms of IUL and why Universal Life Insurance often gets a bad rap from the financial media & competing offerings in the financial sector. Better understand IUL’s fees & charges, taxation of Indexed Universal Life, and how IUL’s growth mechanisms work.
This video explores Indexed Universal Life’s full range of flexibility. Whether you need to lower premiums, delay all premiums, or max fund for longer than you hoped, this video will show you how IUL behaves with a particular case study.
This video answers the age-old question of whether you get both the cash value and the death benefit from a life insurance policy when you die, or just the cash value. The truth of the matter is, you get to choose whether you want both or not. Life insurance is similar to everything else in life, you get what you pay for.
What if you don’t pay your IUL premium on time? What if you planned on max-funding, but then hit some financial bumps in the road? Don’t worry, you can always pump in those premiums later on. This video shows how your Indexed Universal Life policy would be impacted if you did.
