Are There Benefits to a Front Load & Short Pay Design Life Insurance Policy?

In today's episode, we answer the question: Are There Benefits to a Front Load & Short Pay Design Life Insurance Policy?
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View the transcript of this video here:
(coming soon)

[tractornation]

1: What other companies other than Allianz do you like?
2: What do you think of Pacific Life and Lincoln National?
3: Do you know anything about Bermuda companies such as Manulife and sun life?

[kriskris]

If I want to put 200k into an IUL polcy, considering my risk classification is preferred plus rating.. If my goal is a higher Internal rate of return and I don’t wait more than 6-7 months to signup for more policies.. which is a better design?

1. Paying 40k/year into a policy for 5 years

2. Paying 20k/yr over a 10 years period

3. Getting 2 policies from 2 different companies or from the same company with 20k/yr going into each policy for 5 years.


Is it better to fund the policy over a 5 year period and open up a new policies with similar 5 year funding periods or is it better to fund one policy for 10-20 years?

[Xtremeproducts]

Radikal Marketer Sent Me. New Subscriber

[deepinthemoney]

Hey James, hope you are doing well. Any plans to resume livestreaming ? I always enjoyed the streams and your helpful trading insight!

[NGF-Life]

Great video, this answered my question on reducing the MEC (death benefit) after the initial 7 years and the front load our policy. Thank you.

[vet-x-fit]

Hi
I do enjoy your videos. Just a question, in today's inflation rate would an IUL make sense? I'm thinking about banking with a whole life, and holding a iul fir long-term.

[CdotForbes]

couldn't you borrow from the policy then put it right back in to max fund it in the years you don't have the funds to pay the whole amount, yes you would pay a loan percentage on it but it could net more positive arbitrage if the market does well.