Are you curious about the actual performance of an Indexed Universal Life (IUL) policy? In this episode, we dive into the details of an IUL policy put in force 9 years ago and address the common arguments against IUL. You'll learn about the static interest rate assumptions used in IUL illustrations, the concerns about cap rates, and how this policy has performed over time.

Despite the assumption of a 6.3% static index credit at inception and the cap rate falling from 12% to as low as 7.5%, the policy has exceeded its original projection of $183,119, with an actual cash value balance of $198,960 to date. We'll discuss the average applicable cap rate for the life of the policy, the average index credit since inception, and the frequency of the index capping out.

You'll also discover the guaranteed bonus the policy will receive starting after the next policy year and how it compares to the performance of whole life policies issued simultaneously. We'll explore the potential for the policy to continue outperforming its original projections and the options available to the policyholder now that the policy is nearly out of surrender.

Tune in to learn more about the actual performance of an IUL policy and gain valuable insights into this often-debated topic.

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If any of this sounds interesting and you're curious about how a policy like this might work for you, please click right here to get in touch with us. We welcome the opportunity to have a brief chat.

As long as we've been around in the life insurance business, we've seen scams. Some are subtlle and some not so much. The one we are discussing today is new (as far as we know) and represents the worst kind...the one that solely seeks to enrich the agents promoting it.
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If you'd like to work with agents who will not take advantage of you or pitch you on some "pie in the sky" silliness, please click here to get in touch with us.

If you're tired of watching your hard-earned money disappear into the pockets of investment managers, this episode is a must-listen. You'll learn how many retirees unknowingly pay exorbitant fees for low-volatility investment strategies, particularly those heavily weighted toward fixed income.

But what if there was a smarter, more secure alternative?

Enter annuities: the unsung heroes of retirement income planning. Throughout this episode, you'll explore how annuities can provide a stable, less volatile foundation for your portfolio, all while offering guaranteed income benefits that last a lifetime.

The best part?

Annuities often come with no fees or remarkably low fees, allowing you to keep more of your money working for you. Join us as we demystify the world of annuities and show you how to eliminate unnecessary investment fees, ensuring a more prosperous and worry-free retirement. Don't miss this opportunity to take control of your financial future and make every penny count.