401k vs IUL

As Americans, we are very familiar with the 401k, and you probably even have one, but chances are you have never heard of Indexed Universal Life Insurance or (IUL) for short, and even if you have, it’s probably a mystery to you and you probably don’t know that it is a retirement savings vehicle.
One trend we have seen is using an IUL contract as an alternative to the 401k.

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Learn how to grow your money safely, protect yourself against the ravages of unknown future tax liabilities, reduce or eliminate the amount of interest you pay to banks and credit card companies, avoid the enormous fees you are currently paying on your investments that are eating up your earnings, protect yourself from healthcare emergencies that can ruin you financially and a way you can have a guaranteed income in retirement. And, I’ll show you how these strategies will beat the pants off your 401k.

You will learn how to get…. Income in retirement you can never outlive, Tax-free growth on your retirement savings, Tax-free income during retirement, Protection from stock market downturns, market-like returns and easy penalty-free access to your retirement savings. I will also introduce you to an amazing retirement plan where a lender will match your 5 annual contributions 3:1, so, just like your employer will match your 401k investment, a bank will match your investment times 3!

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DISCLAIMER:

The Wealth Protection Lady makes content available as a service to its customers and other visitors to be used for informational purposes only. While our best intentions are to provide accurate and timely information, you should always consult with retirement, tax, and legal professionals prior to taking any action.

[warko]

Listening to this video in Jan 2022 and all I can say is that this is the most comprehensive video that shows how a IUL seems to be far superior that a 401k shown with all the numbers.
One thing I have heard again and again via various YT videos is “if this IUL is structured properly” which totally makes sense whether the policy is written to either maximize assets and death benefits for the policy holder OR to increase the commision for the policy writer and of course the company that provides that Wow thanks much ma’am!!!

[ortallevitan]

I had never even heard of an IUL until your video. thank you!

[jaimetan]

Thinking ahead to retirement is definitely a smart thing to do at any age. It's never too late to start planning now!

[HomeFix]

IUL tax free & limited fees are attractive features. Very informative & well presented.

[trashypanda]

This is such great information! Luckily I heard about the compounding of fees at 26 so I was able to shift easily but it's so good that you're sharing this info!

[WhimsicalFamilyLife]

Thank you for making such clear descriptions!

[testymean]

Thx! This was so helpful. How do you find out the lowest death benefit the IRS will allow?

[henryhenry]

"Only if it's structured properly." can you give an example?

[seahaltura]

Very interesting information about IUL. Thanks for sharing this!

[mizstermethod]

The IUL is so new and interesting to me thanks for sharing - new sub here :D

[stephendove]

Hmm, I wonder if my 401K which is loaded with fees is structured properly? I seem to be getting great gains, which match up with market perfectly, so all these fees are extremely well hidden, almost like they don't exist! Funny how everyone who loses money in these IUL set-ups is told they just didn't have it structured properly. Almost exactly like the Timeshare racket, when folks are told their contract wasn't set up properly, and the solution is to pay more money and sign a new contract.

[bugginoutt]

Wow! Simple and great info.. should i keep a 401, or reinvest that cash all in a life policy

[Simply.Mariela]

Thanks so much for this. I’ve always been confused on how they work!

[SixFigureBusinessCoaching]

Such great overview about the differences of the two!

[fulltime]

Note: If you ever stop paying the montly premium you could lose your policy and everything you have contributed to date. think twice before you make decisions .
fact: if you borrow money from IUL you have to pay it back with interest.

[atraincg]

Very educational. Thank you for the information!

[jminormedia]

Thank You for the clear and simple information !!

[jayelliott]

excellent presentation... But I don't see the link to complete the questionnaire.

[RetireToEurope]

401k's are NOT subject to probate if you have named beneficiaries. Just like life insurance.

Also, what evidence do you have that taxes will likely be much higher in the future? What if they are lower?

You make the IUL sound good, but I'm very skeptical! 😬

[ms.jackson]

Thank you for the thorough overview. What is reasonable for the percentage of fees against monthly contributions for IULs? For example if $500 is contributed, what is a reasonable for monthly fee deductions?