Tag: are IULs a scam
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IUL Option A vs Option B: Which Policy Design Earns More?
Option A = level death benefit (COI stays controlled, more goes to cash value). Option B = increasing (face grows with CV, higher COI).
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5 Red Flags in an IUL Illustration (And What They Mean)
Illustrations running above benchmark rate. High death benefit relative to premium. No min-death-benefit comparison shown. Inflated cap assumptions.
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Why Many Financial Advisors Hate IUL (And Why Their Criticism Is Partly Valid)
Many advisors reject IUL because of commission incentives, bad products they've seen, and conflicted agent sales. Those criticisms are real.
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Can an IUL Policy Lapse or Collapse? Here’s Exactly How It Happens
Yes, an IUL can lapse if fundamental things go wrong.
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How Policy Loans Actually Work, And Why They’re Not What You Think
The money never leaves the policy. You borrow from the carrier using your CV as collateral. The CV keeps earning in the index. Fixed vs participating loan, why it matters.
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Do IUL Fees Really Eat Your Returns? The Math Nobody Shows You
IUL fees are real, but whether they eat your returns depends on structure. A properly built, max-funded policy runs roughly $10 to $20 per $100 deposited, and those costs fall over time as the insurance gap closes.
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How Much of Your IUL Is Accessible in Year One?
Surrender charges exist in year one. First-year liquidity varies by carrier, age, health, typically 30-50% accessible.
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IUL Caps and Floors Explained (Without the Sales Pitch)
An IUL interest floor can coexist with policy charges. Learn how caps, charges, and loan terms affect the value you can use.
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IUL vs Annuity: Which Solves the Tax-Free Income Problem?
Both promise retirement income. An annuity hands the carrier your money for a payout, and the gains come out taxed. A max-funded IUL keeps your money compounding and lets you draw income tax-free through policy loans.
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What Is an IUL? Indexed Universal Life Explained in Plain English
An IUL is permanent life insurance whose cash value grows with a market index, protected by a zero floor and a cap. How it works, and why structure is everything.