Whole Life Insurance vs. IUL✅ Which One Is Better For Infinite Banking?

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This is another video breakdown doing a comparison of whole life insurance vs. indexed universal life IUL.

It's always fun picking apart the ridiculous claims and arguments that IUL agents come up with, especially when they're trying to compare whole life to IUL, which there is absolutely no comparison.

They are 2 completely different products and therefore, can't truly be compared.

But since this gentleman is doing it, and makes some pretty bold (and ridiculous) claims, we're going to have some fun with it.

To make a productive comparison, it's far better to compare whole life insurance to savings accounts and bonds, and IUL's to anything having to do with the stock market, like 401k's.

If the conversation is about which one is better for infinite banking, whole life insurance wins 100% of the time.

IUL was never meant for Infinite Banking, so I'm sure why so many people try to pull it off.

Either way, we're going to have some fun in this video!

Disclaimer: Everything in this video is for educational purposes only and not meant to be financial, legal, or investment advice of any kind. Please speak with a licensed professional before making any decisions.

Music: Match Point: WIDIZ8ZAZGCROF4S

[themillennialwealthcreator]

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[Martell]

Hey i would really love to chat about starting a whole Life Insurance policy with you. I almost committed to an IUL I’m glad I watched your video.

[Seccheus]

There are bad WL policy structures for high commissions like 50K. I have never heard of an IUL commission being that high.

[Seccheus]

F&G has a 12.00% S&P cap rate.

[Seccheus]

I have listened to both sides and I hate when people manipulate the information to control the client. Just state the FACTs and let the client decide. However both side are gulty of mulnipulating the truth and or spreading misinformation.

[Seccheus]

You are making random and general statements about some IULs that do not apply to all IULs.

[Seccheus]

IULs are not based on the stock market they use indexes which participate in the stock market.

[Seccheus]

Better to take the income loan and use a SMALL portion of it to pay the interest and or premium. That helps to keep the policy healthy or Just use the LIBR.

Also use the riders to keep it from lapsing.