Real Life Proof IUL Companies LIE About Long Term Performance

IUL Companies LIE about how indexed universal life insurance will perform long term. I have said it for years, and today I am going to prove it. If you sell indexed universal life or if you are contemplating purchasing an IUL, you need to watch this video asap. In this video, do a deep dive evaluation of a World Financial Group policy through Nationwide Insurance.

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📖 Chapter Timestamps Here ⏰
0:00 Intro to Proof IUL companies lie
3:55 A look at the Original and In Force Illustrations of Nationwide IUL
4:45 PROOF that IUL Illustrations ARE NOT Conservative
9:45 Index Performance Has Little To Do With Actual IUL Performance
14:15 Nationwide Increased the Uncapped IUL Index Spread Charge 120% in 6 years!
17:10 How Your IUL Actually Participates In The Index
22:30 High Early IUL Cap Rates Are Written Off As A Marketing Expense
26:30 Your Indexed Universal Life Policy May Look Okay...but it's in danger
34:45 You IUL Agent Is NOT Smarter Than The Indexed Universal Life Insurance Company

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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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[themillennialwealthcreator]

This is the best video you've ever done about IUL.

[FutureFortunesInfinite]

The level of obfuscation & mental acrobatic tricks these IUL agents/companies commit to just to make some sales, when there are plenty of more ethical ways to go about selling insurance products is INSANE. It can even fool some seriously bright & brilliant people. Thank you for exposing this product (and certain agents) for what they really are!

[glendayle]

Thank you so much for exposing this garbage. I initially started in the industry w LSW/NLG. I later switched over to one of the major mutuals. Whenever I speak to someone with an IUL, I tell them we must see the in-force and if they have an original that will be helpful. Very few will. I still get agent comm from NLG saying they are lowering the cap rates. My first inkling that everything was not as it seemed when I did an annual review with a client. They had indeed received almost the exact 7.14% illustrated originally. But the S&P had done over 16% on their anniversary point to point. I knew if they only received a 7.14% credit when the market was over 16%, that policy would never perform as illustrated. And that's before they had lowered cap rates from 12%.

[BartMazur]

What a great break down. I am so glad you did this. This stuff is so misrepresented. Also showing the cost of insurance rising in the policy is a great way to double down on this point.

[mattseibert]

I’m sure IUL agents have some unicorn answer in an attempt to explain everything 😂

[IBCGlobalInc]

Really nice video

It probably took A LOT of time to prepare this video.

Not many people are willing to put this much time into an analysis, and then spend even more time on communicating it effectively.

Love how you highlight the proof and actual results.

Great work!!!

[qingfenglin]

I'm incredibly grateful for your practical demonstration of the IVL. The policy documents, spanning hundreds of pages and filled with complex jardon, contain numerous pitfalls that are difficult for the average person to comprehend. I was on the verge of purchasing this nationwide IUL, but fortunately, I came across your video. It has prevented me from investing my hard-earned savings into a product that could potentially result in a challenging retirement.

[ammonjensen]

Alright! This is what I’ve been wanting to see for a while. Thank you so much!

[clande]

Thank you for the breakdown !! Have you done any videos of agents pushing IUL for kids ?

[hisagisan]

Great video. But this isn’t all IUL’s. Spread rates mostly come with polices with no cap rates. There are policies you can choose with caps that DON’T have spreads.

[VegasStyleDayTrading]

Hey Chris, will you ever debate Oregan Cash Flow Pros?

[fs]

Loved the video and while it’s not far off now on what it should have been you can see the great compounded issue in the future. It’s a shame that while the market is doing so great the amount that can be captured by the policy is so much less due to those moving parts being adjusted by the company.

[advisorandres]

Can you do a 10 year NLG review?

I see these policies often from agents that were/are apart of PHP, GFI, WFG.

Also, can you talk a little bit more about how and why the caps can be written off as a marketing expense?

[TheOpinionSports]

I have the Accumulator from 2018 and the par rate’s actually just increased and it’s a product that is no longer sold by Nationwide so you are wrong once again. Par rates and cap rates can increase on products no longer sold.

[c.m.g.f]

Of course this would come from a whole life seller lol I have seen so many that are out performing what the first illustration showed for clients. Lol. And nationwide that’s a other joke lol

[JonathanAguilera-fzvx]

I have 2 more inforce

10 year NLG

7 year MIDLAND NATIONAL..

Same thing happened lol

Let me know if you want them

[jdhawk]

Interesting, please explain your theory of just buying "Call Options"? When and Where is it indicated on the buyer's policy that the general fund is only buying Call Options?

[JoeC]

nice video.. I thought you are going to show returns comparison too. 7/11/2018 to 7/11/2019, 7/11/2019 to7/11/ 2020 etc