Indexed Universal Life IUL Vs. Whole Life - The Facts!

Let's hash out the FACTS between Whole Life and IUL, which one you should use, and how to maximize your benefits.

~ What are the Pro's and Con's of both, and the risks involved?
~ Which one works better for short-term use, mid-term use and long-term use?
~ Why do we choose Whole Life?

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[Przemy-fox]

Nice content. The truth is, money is worthless until you put it to work. Successful people look for business to invest on and make more money.

[ChangeYourWater_ChangeYourLife]

I’m a life insurance agent and this is why I didn’t want to sell IUL, most especially Whole Life, until I learned a different (specially designed & engineered) kind of Whole Life from Chris. It’s absolutely life changing. Well explained guys! I just don’t know why people still thinks it’s not an Apples to apples comparison, and that you guys didn’t structure it correctly. They just don’t get it, and that’s why you guys are absolutely right! 😇

[jonperry]

Both are good, but this guy's WL was structured correctly while his IUL did not include a balance sheet rider that would have given him access to his capital right away. I would be curious to see how these 2 policies would stack up if his IUL had the proper structure. Another thing I would be curious to learn about is if either of his policies offer living benefits at no additional cost or if he has to pay ala carte for those benefits.

[paulsaw]

the truth is and it really is, these guys were not thinking of showing the truth only. that's why many who knows, knows it was an unfair comparison.

[shawnmcintier]

They are different but it all depends on what you structure it and how much you put in it and your wrong about the expenses.

[therealjessemoon]

They didnt structure the IUL properly.
You can engineer IULs to have immediate access as well. Im quite sure many agents improperly structure WL as well. Can't talk bad about a product its it was an agent error not product error. C'mon guys I have respect for you both. Each products has its place in a portfolio also

[devanandaananda]

I liked most of your videos and was considering getting in contact for the possibility to set up an account but just until I watched this video. From what I have been learning this is not a fair comparison as the previous comment from …6828 above.
I wish to see a video from a fair apples to apples comparison IUL vs WL both properly setup and equivalent.

[greedy]

I'm a new rookie, but IUL sounded appealing to me bc I found out that the dea+h benefit dorfs the cash value by at least 6%. Thus, why I would guess that "guarantees" wouldn't be necessary.., the death benefit would do all of the work (assuming that you keep going with it)...

[jonperry]

Another interesting fact is the word "Guarantee" always comes at a cost. Like a "Warranty" on your car that we get spam calls about that is extremely annoying. It's an added cost to own your car. I'm appointed with Mass Mutual that does WL and I was told that in the near future, the guarantees will probably go away. This was from the office director. We had a great conversation about the future of commercial real estate as well and she shared with me that Mass Mutual has been selling off their trophy real estate assets because they didn't want to own office buildings which I think is a smart move. I believe they will continue to make smart moves in the future, one being removing the guarantees on WL because the guarantees is costing the company and the consumer too much money to keep offering it.

[tlowensjr]

An Index Universal Life (IUL) insurance policy is best for those who have already maxed out all other plans. I would not start an IUL unless you had $39, 000 per year, or whatever the new limit is, to deposit into this account.

[CdotForbes]

max fund roth, max fund an IUL at a young age (more long term play) and add in a WL for the liquidity aspect. can pivot in any situation when needed.

also it's not apples to apples without knowing how it was set up, so much needs explaining here to the viewer. you don't get into an IUL for guarantees

[adowdell]

Was the WL 60/40 or 70/30 or something else?

[romangroysman]

Interesting video but not an apples to apples comparison. You didn’t stricture the IUL properly for retirement purposes, it was structured for protection and sold incorrectly. Likely the issue here was with the agent who wrote it… having the right IUL structure is more of an art and it really matters who is writing it

[Ravens]

You acknowledge the IUL you are comparing is not structured properly. You can literally show a properly structured IUL, and an improperly structured WL and have the opposite argument of how much better IUL’s are. You should take this down as you are making a comparison and argument you claimed others are doing. Look at a (Minnesota Life) Securian Balanced Growth Accumulator II, indexing an uncapped index with a 2% floor, early values rider, with living benefits and access to 82% in cash value within days.

[OnePercentFail]

My insurance lady said the IUL she offers I could have access to 100% of the money I put in immediately (within 30 days)... how do I go about looking into it to make sure that is the case?

[gyabaahapraku]

Great content how can get such good design?

[vangustia]

Do whole life policies show fees, expenses and cost of insurance?

[normansanders]

kind of risky taking out money on a investment right away. What if I just left the money in. How much is my IRR in both policy over next 10, 20, 30 years?

[s.b.]

Does your capital gains get taxed on a whole life?

[vangustia]

Net amount at risk is lowered as cash value builds so coi is not as high as you say.