Retirement Income PHD Exposes the Lies Behind Indexed Universal Life

In this video, Chris Kirkpatrick interviewed Tom Wall who has a PHD in Retirement Income Planning. In this video, Chris & Tom Wall talk about Indexed Universal Life insurance, whole life insurance and which is best for you.

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@Tomwalltalks

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📖 Chapter Timestamps Here ⏰
0:00 Intro to IUL Is A Lie
0:50 Whole Life Insurance vs Indexed Universal Life Insurance
3:50 What Matters Is How The IUL Performs In Retirement
6:45 If You Use Common Sense With IUL It Makes No Sense
10:15 Don't Put Your Money Into Win / Lose Situations
12:30 How IUL Illustrations Work When Illustrating Tax Free Income In Retirement
19:10 What Happens When Your IUL Lapses In Retirement

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VALUABLE CONTENT TO CONTINUE THE EDUCATIONAL JOURNEY:

How To Properly Structure A Whole Life Policy

Indexed Universal Life vs Whole Life - Which is Better

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🤔 ABOUT LIFE180 😃
Chris Kirkpatrick launched LIFE180 as a solution to a problem. As the director of business development for a Fortune 1000 life insurance / broker dealer, he became disenchanted with the financial industry because of the lack of education provided to clients and how "financial advisors" were really just glorified sales people.

So... LIFE180 was launched to help give relevant financial education for people to create wealth. Along the journey, LIFE180 has evolved. Chris quickly realized he was passionate about not just helping entrepreneurs on how to leverage their money, but how to build their businesses.

Over the past 5 years, Chris has spent thousands of hours mastering the art of online business development for himself and clients. In 2020, LIFE180 morphed into a full service online business launch and development agency. If you need any help creating more revenue or generating more leads online, LIFE180 can help.

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*All content in this video is for educational purposes only and is not to be interpreted as personal financial advice.

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[ravbarring]

I’m an agent and offer Whole as well as IUL. My IUL clients from 18 years ago are absolutely doing very well with their policies. A few of them have used policy loans to buy cars or pay for college over the years and paid their loans off. I’m trying to see things from your perspective. I can only see the scenarios you both describe play out, if the policy was under funded, or over sized. The other thing that can wreck an IUL is when the design is set to increasing in all years. My high net worth older clients are set up with Whole Life policies. I’m working to make sure my clients are set up correctly. Again. I’ve not seen anything go awry on my clients from 18 years ago. Why don’t you guys get the actuaries from the providers on your chat show?

[victorgonzalez]

So Doug Andrews, one of the biggest names in financial advisory on YouTube and social media is totally wrong in advocating for IUL?

Guy has 50 years of experience. Your take?

[shawnmcintier]

Only that they are fixed, you can’t change or change your monthly payment. A better example would be to talk about the pros and cons of both. They both have limitations.

[g.ajemian]

I’m 62 in someone is trying to sell me iul’s to develop a tsar free portfolio am I too old to start investing in this thank you

[mortykatz]

The easiest way I knock out IUL is compare the greed sheet vs whole life. Of course participating w/l

[iamdflamont]

Chris! I’m going to send you an audio clip, please, when you get the chance, respond to it!