Dangerous Truth about Indexed Universal Life Insurance (IUL)

In this video, we are talking about Indexed Universal Life Insurance (IUL), what's wrong with it, and why it's a bad investment.

About the channel.
On The Contributors Show, you can learn how to start and grow your business and how to make money.
Victor Gichun is the Creator and Host of The Contributors Channel, and a co-founder of Excess Logic, a leading Nationwide Reverse Logistics Provider. Since 2012 Excess Logic has helped over 500 companies including Google and Meta (formerly Facebook) remove and decommission Surplus Test, Measurement, Lab, and R&D Equipment, Excess electronics and IT gear such as Laptops, Computers, Hard Drives, Graphic Cards, Gaming Devices, reclaim residual value and safely destroy data.

Timing
00:00 Introduction
00:45 What is IUL
01:14 Three Reasons People Buy IUL
01:47 Details on Why People buy IUL
02:59 Reason #1. IUL is a Bad Investment. ROI
05:02 Reason #2. IUL is a Bad Investment. Participation Rate
06:42 Reason #3. IUL is a Bad Investment. Fees
08:52 Alternative Investments
09:08 Last Reason IUL is a Bad Investment. Borrowing interest
10:21 Conclusion. All Reasons why IUL is a Bad Investment

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[TheContributors]

If you have experience with any type of life insurance, share your experience below

[cyclops]

Buy iul, don't listen to this guy. IUL will.make.u rich

[blakeouthavong]

First of all IUL life insurance will NOT increases when you get old. I don't very know where you get your information from? The way you talked look like you didn't even owned IUL. National Life Group Insurance Company has been in the business since years old company ( AA+ COMPANY) The Civil War haven't started yet!!! I owned IUL policies for over 10 plug years now. And my life insurance are free after 10 years! If structured properly and funded. And I'm using my living benefit for my 23 years old daughter, because of her 2nd stage cancer. YES, I can use my money while I'm still alive!!! Can your Fidelity Insurance do that? Absolutely 100% NOT!!!! Bad agents will make every life insurance out there looks bad. I understand completely you're trying to promote your life insurance as an agent. But please try to explain why your life insurance works best for the people instead try to put down other life insurance companies. All life insurance are good its long their family are protected. People made their own choices what's good for them. So good luck with Fidelity and if you just like death benefit. If this work for you and your clients then I'm very happy you. TERMS, WHOLE LIFE, UL, VUL, IUL, and even FIDELITY are good. It long you're protected...Take care my friend.

[The_Walking_Asset]

Great video. Unfortunately you worked with a poor agent. Who was unable to show you how policy fees, participation rates and index fees work. The fact that you keep classifying this as an investment is the first issue. Investments have volatility and taxes.

[johnathanluckenbaugh]

You should not talk about something you don’t own.

[horatiobennie]

This dummy said “death of the policy holder” not death of the insured .. the policy holder can be anyone .. the holder is the own .. this guy is lost !

[kmelnikovaofficial]

Sounds like life insurence rips us off, lol. no help

[HiDefMediaInc]

Very good video but that’s not the problem of the product. Your title is wrong… Your title should be about the agent who did not have his product knowledge down. You can’t call something misinformation if it’s all there in black and white for you.