IUL for Beginners

In this video, we'll cover what indexed universal life insurance (IUL) is and what benefits it provides.

If you're curious about indexed universal life insurance but don't know how to describe it, then this video is for you! We'll explain what indexed universal life insurance is and what benefits it provides, including how it works and the benefits it has for you and your family. Trust me, indexing your life is a good decision!

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DISCLAIMER: I am not your financial adviser nor your attorney. These videos are for educational purposes only. None of my content is financial advice, tax advice, or legal advise. You must always speak to a licensed professional to evaluate your specific situation. Investing of any kind involves risk. While it is possible to minimize risk, your investments are solely your responsibility. It is imperative that you conduct your own research. I am merely sharing my opinion with no guarantee of gains or losses on investments. I get commissions for purchases made through links in my video description box. Thank you for watching!

[christianmommybillionaires]

As a person with a Masters Degree I so wish you were my professor. The way you break things down is amazing! A true gift from God. Keep them coming!!! Very helpful and so easy to understand!! 💯

[MRPOLY_]

Thank you for always making it simple, bro!

[bibititi]

Thank you very much for making life insurance simple to understand .

[michaelthomas]

7:17 AM 03/20/2024. I love your explanations. Purely simplified. Thank you so much. The companies I'm under don't explain as simply as you. Keep it up.

[DianaSanchez-uv]

Thanks for the explanation. Easy to understand . :)

[samuelbwambale]

Thanks @sirmoneymoves for this explanation.

[MJbakerMusic]

Will you do a video about the IUL vs. 401k?

[Msmo-zpvf]

If you get a large amount of money and you want to get a ( iul ) do you put in the lump sum amount or just put in monthly contributions?

[_tonsky_]

Can you do a video of Fixed Index Annuity for beginners please?

[KevinWright-nyzz]

Can you borrow against the Death Benefit or only the Cash Value?

[clemedicaredotcom]

My understanding is the insurance company offering the i u l has the ability to lower participation rates as well as cap rates on an annual is this factual and does this apply to ALL IUL products?

[MRPOLY_]

@sirmoneymoves, my question is if I’m paying $350 as a premium & about $280 is being applied as a Cash value, if I drop down the DB from $500k to 250k won’t that monthly premium & CV also drop or do I need to manually increase the monthly premium?

[mrsheabutter]

"Stop the Cap!!!" 🧢 (The 10% Cap)

[julienxdarrell]

8 Reasons IULs are bad.


1. The first 5 years NO GROWTH
2. You can ONLY get the death benefit OR the cash value to leave for your family. The company keeps 1 or the other. Who pays for TWO things and only get one.
3. The so called strongest benefits immediately go away if your late 1 time.
4. The fees eat up ALL the cash by the end so it CAN NOT grow as promised. Cap Rates suffocate the growth as well.
5. It has NEVER beat the market in 100 years... EVER!
6. There's 22 million MILLIONAIRES in the US and 1700 New ones created EVERY DAY. IUL have NOT created 1 of them. You have a better chance of winning the lottery than getting wealthy through IULs.
7. ALL of their "illustrations" ignore guaranteed examples. The ONLY thing they HAVE to pay you is what's in the guarantee column.
8. Over 30 years the average BASIC ROTH beats an IUL in wealth creation 33X to one.