5 Reviews of 2018's Top IUL Carriers Offering the Best Performing Indexed Universal Life Policies [Plus 2 Honorable Mentions] - Banking Truths
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5 Reviews of 2018’s Top IUL Carriers Offering the Best Performing Indexed Universal Life Policies [Plus 2 Honorable Mentions]

In this article we review the best companies that offer Indexed Universal Life insurance. We won’t rank the top IUL carriers of 2018 because the best performing IUL policy for you will depend on your specific:

  • Age
  • Retirement timeframe
  • Differing health ratings you may receive from the top IUL companies
  • Desired IUL premium structure
  • Desire for more early cash value access vs. tax-free retirement income

Although indexed universal life reviews may be a good place to start, you should look at an IUL calculator that visually compares the best performing policies from the top IUL companies.

Every member of our team is an independent broker, not to mention a steady customer of the same products we sell. Be sure to find out if your life insurance agent indeed owns what he/she is selling. Don’t be afraid to ask how many indexed universal life policies the agent owns on his/her family, which IUL companies they chose, and why.

The banking truths team can help you find the best performing IUL policies from the top IUL carriers of 2018.

Click here to understand all the pros and cons when using indexed universal life for retirement

Below our favorite IUL carriers, we have listed the different criteria we consider when reviewing these top insurance companies that offer indexed universal life.

Top 5 Favorite Indexed Universal Life Companies of 2018

We will list these insurance companies alphabetically, so don’t be misled by the order.

Again, the company that will have the best performing IUL for you will depend on your particular circumstances and desires, which we invite you to discuss with us at any time by clicking here.

With no further ado… The first of our top IUL companies of 2018 listed alphabetically is:

 

Columbus Life

Columbus Life is a top IUL carrier in 2018 with one of the best performing IULs.

Click to see the summary and highlights of Columbus Life as a Top IUL Carrier of 2018

 

Minnesota Life

As a top company for Indexed Universal Life, Minnesota Life has one of the best performing IUL products

Click to see the summary and highlights of Minnesota Life as a Top IUL Company of 2018

 

National Life Group (and Life of the Southwest) Conglomerate

National Life Group is a top Indexed Universal Life Carrier of 2018 with one of the best performing IUL products.

Click to see the summary and highlights of National Life Group as a Top IUL Carrier of 2018

 

Pacific Life

Pacific Life is one of the top IUL carriers of 2018 with one of the best performing Indexed Universal Life Insurance policies.

Click to see the summary and highlights of Pacific Life as a Top IUL Company of 2018

 

Penn Mutual

Penn Mutual has one of the best performing Indexed Universal Life policies and is a top IUL carrier for 2018.

Click to see the summary and highlights of Penn Mutual as a Top IUL Carrier of 2018

 

Honorable Mention #1: North American / Midland National Life Insurance Companies under Sammons

Midland National Life Insurance Company is a top Indexed Universal Life Insurance Carrier with a good IUL policy.

Click to see the summary and highlights of North American / Midland National Life Insurance as a Top IUL Carrier of 2018

 

Honorable Mention #2: Symetra Life

Symetra is truly one of the top IUL companies of 2018 with one of the best performing IUL policies on the market.

Click to see the summary and highlights of Symetra Life as a Top IUL Company of 2018

 


Here are the different criteria we consider when reviewing these companies that offer indexed universal life.

The top IUL carriers of 2018 that offer the best performing indexed universal life policies are some of the strongest and financially solvent companies.

These criteria below are factors we consider essential to be considered a top IUL carrier. That said, we may sometimes consider a company which lacks some of these criteria if a client has extenuating health circumstances. At times certain companies may be more forgiving with a particular underwriting issue than our favorite companies that offer indexed universal life insurance.

Unless an extenuating circumstance like this exists, we will stick with the top IUL companies that adhere to our standards below:

  • Is the insurance company offering the IUL policy a mutual insurance company vs. a stock insurance company)

Click here to understand why this is expected of top IUL companies:

  • Is the insurance company offering the IUL policy highly-rated relative to their peers, and do they maintain a healthy balance sheet surplus?

Click here to learn why this is required of a top IUL carrier:

  • Has the insurance company offering the IUL policy ever raised their internal costs and charges above what was originally illustrated to any client?

Click here to understand why this is expected of top IUL companies:

  • Has this insurance company offering the IUL policy maintained a competitive cap & floor as interest rates have declined?

Click here to learn why this is required of a top IUL carrier:

  • Does the insurance company’s IUL policy offer multiple ways to earn competitive growth?

Click here to understand why this is expected of top IUL companies:

  • Does the insurance company’s IUL policy offer a participating loan rate that is locked or capped against future increases in prevailing interest rates?

Click here to learn why this is required of a top IUL carrier:

  • How competitive are the insurance company’s provisions in case the insured becomes chronically/critically ill or injured?

Click here to understand why this is expected of top IUL companies:

  • Does the insurance company offer any other special riders or policy provisions that make their IUL policy particularly desirable?

Click here to learn why this is required of a top IUL carrier:

 

Now What?

To find the best performing Indexed Universal Life policy, consider having your own specific parameters run through an indexed universal life calculator from each of the top IUL carriers of 2018.

You can click here or on the image below to schedule your own custom consultation with one of our independent agents so they can do this type of individualized custom analysis for you.

the Banking Truths team helps people buy the best performing IUL policies from the top IUL companies of 2018

Happy Banking,

John “Hutch” Hutchinson

ChFC®CLU®EAAEP®CExP s®

(Click here for Hutch’s bio or click the different Acronyms above to see what each of them mean.)


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