Is Indexed Universal Life (IUL) A Good Investment?

Is Indexed Universal Life (IUL) A Good Investment?
#IndexedUniversalLife #IUL #LifeInsurance

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0:00 - Introduction to IUL as an Investment
1:00 - Investing for accumulation is a dangerous game
1:30 - Why You Need to Invest for Cash Flow
3:45 - Insurance companies use IUL's the way the government uses 401k's
6:15 - The time horizon on IUL is too long to know if it will work or not
7:30 - There are bad whole life insurance agents too...beware
8:30 - IUL's and 401k's lead to a retirement income crisis
10:00 - Conclusion on Indexed Universal Life as an Investment

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Chris Kirkpatrick
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Is Indexed Universal Life (IUL) A Good Investment?

[Seccheus]

The "control" problem goes away with the LIBR option.

[Seccheus]

What are the commissions form your WL policies?!

[JojoRichards]

If you are paying taxes up front then it’s not the same as a 401 K. Just as much as you aren’t over funding a whole life you want the death benefit verses the cash value while you live. If you are selling an IUL you are using it as a borrowing source that has nothing to do with your retirement or other investments. That is more so why I asked the question on the video with you and Cody Adkins.

[Bryan-omwq]

You keep saying “If an IUL doesn’t perform” show me historically where it hasn’t. If it’s structured right show me a single 30 year period in life where an IUL would not out perform whole life policy based on HISTORICAL values. I have personally ran SEVERAL simulation between a whole life and an IUL and Every single one I’ve done the IUL has out performed. That’s comparing a 90/10 whole life par vs a max funded IUL. Do the historical values in a direct comparison and then make a video. I don’t mind being wrong as long as it’s the truth, but right now you’re being completely speculative.

[parthivc]

With whole life also, the dividend interest % can change every year. Over the past 20 years it has a steady downward trend. That is completely outside your control in whole life how the interest % will be in future. NOT sure how a whole life can mitigate such uncertainties.
Moreover, the LeveL insurance charges are very high even in young age and due to high death benefit, the cash value is minimal at early years.
401k is good as long the company matches it.

[mitchellglaser]

This is all nonsense. The speaker is barely coherent, and says very little about IUL. Have a good agent illustrate an IUL designed for cash flow for you and you will see. Choose a volatility controlled index if you are conservative.

[greenlegend]

Another great video man thank you for the information 🤘🔥

[joesmith]

is there any reason to purchase an IUL if they can change the rules?

[hossknot]

So what investment avenue should I shift my 401k contributions into? Thanks in advance.

[higherpriorities]

Life insurance isn't an investment

[SuperCelesteful]

What if you don't have a 401k and also don't have a life insurance. What Vehicle would you use?

[JoeC]

can u show some annual statements to make your point?.. U r just making some statements without any proofs!!!

[erickcansino]

That’s why your not sopose to put all your eggs in one basket so??

[potencygg]

Isn't your 401k contribution post income taxes? So where does the tax argument come from?

[markanthony]

But WL don’t have riders, critical illness and living benefits like IUL i wonder why you don’t mention that specially when that you’re comparing WL and IUL! Not an agent here by the way. I want to purchase an IUL because of those benefits that i can get that other kind of life insurance don’t offer, I don’t mind the cash part of IUL cuz i have other retirement accounts that will supplement my retirement days.

[mickylop]

Obviously you have not idea what you’re talking about!