The Truth About Indexed Universal Life Insurance (Why Dave Ramsey is wrong about IUL)!

Unfortunately, we live in world were anyone can spout off their opinion on any topic simply with a few keystrokes on their computer and then broadcast it to the world through the web.
It is important to know that just because someone wrote it, does not necessarily mean it is true.
In this case, a author on the topic life insurance by the name of Dave Ramsey made some bold and incorrect statements about Indexed Universal Life.

In this video, I will clear all that up and explain why Dave Ramsey is wrong!
And because it is so easy for incorrect information to be so easily available, it is CRITICAL that you work with a properly trained IUL specialist who has your best interest at heart, to assure you achieve your goals and dreams.

To your abundance!
Doug Andrew

Key Moments In This Episode
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0:00 Introduction & Summary
2:00 The article "The truth about Indexed Universal Life"
5:00 Proven performance of UIL
7:45 Truth: the cash value it NOT invested in an index mutual fund
13:40 Truth about the fees
16:13 The difference between IUL and a indexed mutual fund
24:00 How Linking works
27:48 What about the market?
31:05 5 Questions you should ask an advisor
36:38 Get Your Copy of The LASER Fund!

What To Watch Next
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How a Max Funded IUL Can Earn Tax Free Returns that are Safer & Higher than Banks Offer

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DISCLAIMER:
With any mention of The LASER Fund, maximum-funded tax-advantaged insurance contracts, or related financial vehicles throughout these videos, let it be noted that life insurance policies are not investments and, accordingly, should not be purchased as an investment.

Where appropriate, authentic examples of clients' policies have been incorporated, with names changed or hidden to safeguard privacy. Additionally, past performance of existing client policies do not indicate or predict future returns. You should use caution in applying the material contained in this video to your specific situation and should seek competent advice from a qualified professional. Accordingly, the authors and publisher assume no responsibility for actions taken by readers based upon the information offered therein.

[drakespamsl]

just started chanting "Doug, Doug, Doug, Doug, Doug!" to myself- IUL specialist...Watched many of your videos when I first started and you are the guy who switched my focus from other Insurance products to IULs!
Thank you for the knowledge and for your soothing voice

[TheMandinotan]

I'm from Singapore, and this is so valuable as the financial hub of South East Asia. We still mainly invest in the US markets, which are still subjected to US taxes. Some specific features differ from product to product, but the underlying principle is the same.

Only found out about you recently, looking forward to more of your videos and books!

[JeKMout]

I'm a financial advisor and I'm grateful that someone smart enough can explain this instead of listening to that Dave Ramsey nonsense... I can't say enough how many of my clients are happy and not going through heart attacks to have an IUL with the protection they have against the down market... Thank you Doug

[charlesrobinson]

I have learned so much from you Mr. Andrews. I truly appreciate your your knowledge and experience in financial industry. I hope to be half of the life producer that you are. Awesome!!!!

[galloe]

I discovered you today and this is the second video I watch of yours, I am now a subscriber and loyal fan! Might I add, there's moments when you talk that remind me of the way Jim Rohn used to talk. :)

[Nonamevisibleinvisible]

Thank you very much ! I recently took IUL from Nation Wide . But after hearing Dave Ramsey podcast, i thought i got scammed by agents. This is an eye opener. Very thankful to you for making this video Doug Andrew .

[prezidanjeanraymond]

Thank you, Doug, for this great information.! I love the fact that you are going through this page by page to show how IUL's really work.

[sevenfiguresUNSTOPPABLE]

Thank you Doug for this extremely easy-to-digest explanation of the IUL Policy. Very well delivered. I just received my Laser Fund book and can't wait to delve in. Please keep doing what you're doing. You are providing so much value to seasoned and new financial professionals. Much appreciated. -Win F.

[PatrickGoesWild]

Wow!!! This was so dope. Thank you for sharing your knowledge about maximum payout IUL's in such detail Doug. This video was excellent!!! We might need to setup a petition to get you onto an episode of #EarnYourLeisure 🎓💰📈😎

[Ironmon]

I am am a HUGE fan of Doug now after watching the interview I saw with him talking about an IUL. Great Job Doug and please keep posting videos...

[rdingram]

Doug Andrew explains everything fully in this video! IUL is one of my top products. My clients love them and what it earns for them SAFELY as well

[IvanGarcia-whvb]

Great video, easy to understand for any one of “average” intelligence. Besides, not understanding exactly how electricity works—for example—does not mean that in the dark would be wise. As an investor, I know IULs work very well when properly written. Throughout the years, it has performed way better than my mutual fund investments.

[TaxFreeAlways]

Watched the entire video. Exceptionally done. Oft times the Ramsey folks tend to lash out emotionally with extreme rhetoric when categorically dismissing ANY life insurance based strategy. Typically, emotional rants are a result of a lack of understanding, maturity, or the facts simply aren't on their side. In most cases, it is usually a combination of all of the above. Keep the great content coming, Doug! Thank you for this.

[mmamassage]

I have a dual license, start my interview with farmers on monday, thanks for being the research that I need at this moment, master level

[BC-jvlq]

Good video Doug. Im a fellow financial rep 35 years.
Thanks
BC

[insurancebanker]

This makes absolute sense to me and why I think to provide nothing but IUL as a cashflow generation resource.

[CharlesCinco]

Doug! You are a G for this! love the educational series and I'm a life license myself and you just boosted my conviction to be a part of this movement of IUL!

[avinafyllc]

I scheduled a call monday @ 11:30 I hope I can speak to you. awesome video keep grinding great break downs.

[ronnieross]

So glad I found you Doug! You’re changing my life man!

[kingsleyekeocha]

Hi Doug, I live in the UK. I wanted to know if this applies to the UK or strictly the USA, by the way, I tried applying for your book, and it will not ship to another country. Please kindly address this. Lastly, I want to say a big thank you for putting immense energy into explaining all this, this is an eye-opener, and the educational part of it all is unmatched, thank you!