Which Life Insurance Retirement Plans Are THE BEST?

In this video, I'm going to discuss the top 3 life insurance retirement plans and which ones will be best for your situations. These are worth considering as part of your balanced approach to tax-free retirement. There are a lot of competing voices though, and many recommendations contradict each other. This video will help you make as informed of a choice as possible.

0:00 Intro
1:22 Whole Life Insurance
5:22 Variable Universal Life
8:27 Indexed Universal Life
11:18 Learning more about LIRPs

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[ho_flation]

The one that makes the advisor the biggest commission

[johnziegler]

In a VUL you can have a death benefit guarantee. You can also change the COI provision to track the performance of the subaccount meaning as the sub accounts go down, the death benefit goes down by the same amount and the cost of insurance stays the same.

[tylerbean]

Thanks for the great tips Mr. Knight! Im an insurance producer expanding knowledge in different lines of insurance.


How can I find a carrier with guaranteed 0% interest loan on cash value?

Thanks!

[RobertRead-jkzi]

David - What about a regular UL policy.

[johnziegler]

Many people collateralize their cash value and borrow for 1-2% LESS than the current dividend interest rate. Meaning borrowing at an effective negative interest rate... You can borrow 90-95% loan to value for a whole life and 70 % loan to value for a VUL

[-Frost--]

Why didn't you talk about the interest rate on the loan of the IUL? What company offers a 0% loan for IUL?