What Is The Downside Of IUL?

Indexed universal life sounds too good to be true. There's a catch. Find out what the downside is of an IUL by watching this video.

To your abundance!
Doug Andrew

Key Moments In This Episode
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00:00 Intro & Summary
00:29 What I Do
02:23 Improperly Structured
05:25 Improperly Funded
07:31 Wrong Company
09:01 Right Product, Right Company
09:46 The Most Important Reason
11:56 Check This Out!

What To Watch Next
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How Can I Tell If An Advisor Knows How To Structure An IUL?

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========================
How to Diversify and Create the Foundation for a Tax-Free Retirement

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Music
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Song: LiQWYD - Glow (Vlog No Copyright Music)
Music provided by Vlog No Copyright Music

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Video by Nate Woodbury

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#3DimensionalWealth
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[lovetrees]

Thank You Doug! Do have a vid with the 1/2 dozen or so companies that you would recommend?
Thanks Again

[GailLongenecker]

Great idea to review and tweak yearly. So much can change over time, but when it's nipped in the bud early enough, you won't have troubles.

[darryl]

Perfect! Thank you for referring the book. I ordered the book and it arrived Very fast. Thanks keep up the good work!

[pinaymominHawaii]

Hi Doug, I recently discovered your channel. Thank you for all the great points!👌What do you think about IUL from National Life Group?

[justinheat]

most IULs are not funded correctly or overprojected. it can really work but has to be set up right and followed through

[brentclemens]

I purchased the Laser Fund last week, and I just now saw this video, from 3 yrs ago. I tried to find the 14 questions on page 195 and they’re not there. I’d like to know where they are if anyone can help. Thank you!

[youmayberight]

Thank you. Need to get your new book LASER

[Mwifinancialservices]

Thanks so much for your informative videos. My question to you Mr. Andrew is how do I get access to the proficiency test you mentioned and can you give me advice on how I can best learn how to properly structure IUL's? I'm a new agent.

[anthonygloria]

Hi Doug
Thank you for your work. What is your take on Midland Life?

[ay_good]

Hi what do you think about IUL from transAmerica?

[ryanwright]

Also, I asked both agents what TAMRA/DEFRA is, and they looked like a deer in headlights! I did NOT go with them.

[pattyxomvilaysack]

Can you take a look at my policy please?

[ryanwright]

Doug, I agree. I’ve held meetings with three life insurance agents and they are very diverse in what they offer. Structuring it is QUINTESSENTIAL! Again, your book is stellar.

Some agents gave you “pro-forma” data and gave you whatever the computer spit out, not showing you a fully optimized policy. Structuring the policy is more important than funding it!

[pelondl]

Point me to the right one if you would, thank you

[robmartin]

Doug, great video, my question is....if IUL is designed the policy costs skyrockets in insured later years, ages...ie 70's..80's+....will continue to grow and avoid

[shellecestrong]

How do I get an Audit of my policy from your team?

[Journeywithgailc]

page 195 has no questions it has top 5 takeaways, did you remove the questions?

[kvkraju]

Thanks you I learn so much info .I want to open Iul for kid 7 years .can you give a contract please

[quinnoaechase]

Hi Doug, your video took my best attention, what could you recommend me as a new agent?
Thanks a lot👏👍👏

[sylaskeb]

If someone has one that’s not structured or funded correctly how can you fix that?