Indexed Universal life vs Roth IRA - IUL vs S&P returns with no fees

Everyone including me loves the ROTH IRA. For good reason! How does an IUL compare to a Roth IRA (IUL VS ROTH IRA) fully linked to the S&P including dividends and absolutely no fees? You gotta see it to believe it.

Indexed Universal Life insurance can be a powerful piece of your overall financial strategy if its properly implemented. Most financial advisers are terrible (are you surprised?) and design policies to maximize commissions. This isn't that. Check out how IUL compares to no load no fee S&P returns inside a fully tax exempt ROTH IRA.

If you are interested in exploring an indexed Universal Life policy check out the link below and take the quiz:

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Indexed Universal Life is not for everyone! It is best suited for high earners looking for additional places to put away money. Or for those who are unwilling to take risk in the stock market.

IUL policies can generate significant tax free retirement income without any market risk as long as they are properly structured. Too many agents don't know how indexed universal life works and sell policies designed for maximum commission instead of maximum tax free retirement income.

Some think "properly structured" is just a scare tactic to say I do it right but others do it wrong. Check out some previous videos I've done on IUL and how bad it can get in the wrong hands.

[mr.pocket]

Great video! Glad there is someone out there providing this kind of information. Pure gold, and thank you for your work!

[KrisKArnold]

Yes! This is the kind of video that normal (non-insurance professionals) need to watch to try and make sense of a very complicated topic. Thank you for the information!

[scottherd]

So grateful for your videos! I have an IUL that a family member designed for us. Lowest possible fees and commission. It is SO hard to find anything but critical blog articles and videos about IUL and I’m often left concerned and questioning. All this information is reassuring!

[sirmoneymoves]

Great video. The best comparison of Roth vs IUL that I’ve seen 👍🏾👍🏾

[aks]

on year 23, IUL value increased to 4, 827, 075 from year 22 value of 4, 506, 206. How? that is after paying 452, 868 proceeds. Load fees go away but other fees still remain. How come after paying 452, 868 and subtracting other fees, policy value increased? that is not 6.23% increase.

[trujourney]

You are so thorough with the info do you have a podcast?

[danielisle]

Basically, "I'm not saying an IUL is better than the s&p 500, but the #'s do!" Lol
But, you're right, they serve 2 different purposes. Great video! Thanks...1 year later!

[financialownership]

Quick question. What do you think about someone retiring using a QYLD high dividend yield strategy? What percentage location makes sense for this for someone 65?

[aznblackenblue]

Hi Matt! Kudos to you bro! You shared some great information and content! I actually have a client i came across one time where they took the S&P500 index data point every day and put it on an excel. when compared to the IUL at the end of 10, 20, 30 year, the index yield a much higher return. Do you know how we can handle that objection? With what you are showing, its just on an annual basis. If you can clarify that would be awesome.

[carlolsen]

Can you please Year End Accum Value column? How are the rates of return calculated?

[nickramey]

Love your content- Great Stuff. What software are you using to show your comparisons?

[juanvelazquez]

Hey bud, great video. I love that spreadsheet that you made. Where can I go to learn how to make one of those?

[hghj]

What is the software you are using in the beginning of the video?

[natrajreddy]

The whole time IUL has death benefit but whereas S&P doesn’t right ?

[kylethomas]

Can you provide this data if the person contributes $4k a year. An average individual wouldn't contribute $100k annually, and I wonder how does the fees impact the account in the IUL

[aks]

How is that guaranteed bonus calculated? seems that bonus is on top of cap of 15.5%

[JAJA]

Can I assume that if I put in 10k instead of 100k annually, the result will be 1/10 of the illustration? Thanks.

[PW]

Can you do a review of Columbus explorer+ iul

[davidkliu]

Question, how do you suggest client to pay into there IUL policy to get the maximum interest crediting? Example, if the client fund annually and let’s say that particular year point to point it is a down year the client’s entire lump sum contribution will be credit zero interest. Would monthly contribution better? Thank you for sharing

[forgiveandmoveon]

I have a roth account. From the information I researched and reading several illustration charts that I received from agents, IUL policies is more targeted to high income earners. What I like to do is wait until my income increases then start a IUL policy. The reason for this is because the first 5-10 years, you will be paying fees. Therefore, its going to take some years to potentially see any profits after that time. For now I'll just continue contributing to my ROTH IRA and educating myself about IUL. IUL is piranha a better investment vehicle in the long term my opinion because the IRA accounts are limited of what you can do with them. However, all investments come with a risk.