Indexed Universal Life Insurance for Tax-free Income

Is Indexed Universal Life Insurance a good vehicle for Tax-free Income?

We are reviewing the second type of life insurance in this series: Indexed Universal Life.

IUL's provide the cheapest and most flexible form of insurance to generate tax-free income. The underlying indexes provide you with upside potential without the risk of the market.

IUL does take more risk than whole life policies, but are inevitably able to generate more tax-free income for life.

For the rest of this series, follow this link:

Chapters:

00:00 Introduction
00:23 Recap of Series Videos
01:30 Why IUL?
06:19 Risk Profile
08:30 Annual Reset Concept
13:06 IUL Example
16:05 Summary

Cash Value Life Insurance has been and will be one of the best ways to generate maximum tax-free income for life, but it takes the right design to get you there.

We specialize in creating policies that are designed for Maximum Cash Growth and Income.

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[awakenmylove]

Youre saving my life. Thanks for all you do

[capitanocorelli]

In Canada the interest from your policy loan goes back into you Cash Value once paid back. Is that the same in USA?

[nickjames]

Looks like a National Life Group IUL Illustration. Great Company.

[williamdillon]

Who knew the dad from Bob's Burgers was so smart!?

[sarojthapa]

In the gueanteed side the policy is expiring but non of any agents would like to talk about that or they don't illustrated based on guaranteed side why? Could you please explain for me.

[CaitlynGriffin]

I would love for your review of Foresters Smart UL! Thats what my husband and I primarily contribute to, as well as others.

[ashleytaylor]

Matthew can you consider labeling the videos 1-4 to make it easier to be in sequence?

[JerickMoss]

What’s the best IUL in your mind. The indexed?

[vnvela]

Are IULs best for individuals who can contribute large annual premium amounts? What is the minimum annual amount one would have to contribute to an IUL? Will an IUL premium eventually get to expensive and collapse?

[albertoorozco]

First off, So grateful for all of the amazing content you provide. I spend over 2 hours in my car and your videos are always my main go to.

i have a I understand the concept of structuring IUL's for maximum cash growth and lowering the premiums to the allowed amounts. However, what do you do when a potential client has no type of life insurance in place? Is it best practice to still structure the policy with a low premium amount and offset with a term policy separately?

Thank you!

[timothythompson]

This guy isn't properly explaining the risks of IUL.Especially mortality risk.

[alex]

Hi Matthew, thanks for these well explained videos! I'm currently under 30, and I came to you channel while I was searching for opinions about the infinite banking strategies, because my colleagues have been talking about them. I remember in that video you mentioned that the growth in WL is too little due to the little risk it's taking, and a stock portfolio (or maybe just SPY500 index) will outperform it in a long run for 20 years per say. I also saw the policy examples you showed in your videos usually starts at age of 50. Starting at what age do you think it's making sense to buy life insurance (e.g. IUL in this video) for tax strategy in the long run, considering that I can easily max out 401k as well as Mega Backdoor and Roth IRA backdoor every year? Thank you!

[colonbrother]

Great content! In an IUL upon death does your loved one get to keep both the cash value and policy amount or do they have to choose?