IUL - Indexed Universal Life Insurance

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**2016 AVA PLATINUM Award Winner! What is Indexed Universal Life, or IUL?

Learn how Indexed Universal Life Insurance (IUL) can capture market growth while providing protection from market losses. Life Insurance has changed drastically in the last 25 years! This unique wealth-accumulation vehicle provides policy-holders with the potential to enjoy a happy, healthy, non-taxable retirement.

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I love this product. Can’t go wrong having an IUL as a financial foundation and protection on both Life and Assets.

ChandyGTV

People who are not licensed life insurance agents shouldn't be posting their opinions on here because it is misleading for people who are interested in learning the real facts. I am a licensed Life Insurance and Annuities agent licensed in 13 states. Please don't believe everything that just anyone posts in these comments

lizwilkerson

I wish id found out about this when i was 18 !!

Within 3 months ill be taking the life and health insurance test pray for me y’all its going to be my third try lol

erickstotle

This video is an incredible simple way to explain it. Brilliantly done! Thank you!

leonardobellingeri

Very good explanation indeed. Well done.

pnowikow

Looks good, is there a way to access this video and use it?

pawelmiz

Can you borrow against the cash value of your iul? Also, can you borrow against the life insurance policy itself?

huntersmark

Question, the video shows at $500 a month starting at age 35 to age 65 you could have $500, 000 to live off of at retirement. Most people don’t have $500 a month I’m sure you would agree. However, if they did and was worried about retirement. Wouldn’t it make more since to put that $500 into a tax free ROTH IRA and have double the money saved for retirement (appropriatly $1, 000, 000) ? Definitely since there are mutual that’s averaged 10% interest even through financial down turns.

lennoxjeffrey

@ Javier Alba - awesome explanation. I was told of this concept before I started as an agent a year ago, reading your explanation gives me more confirmation to why I believe IUL is powerful. Btw, are you an insurance agent?

wispro

Do I have to pay back if I draw cash value after age 65!!! Do I have to pay tax!!!

Do the cash value decrease if I don’t draw cash value 100 age!!!

The policy and fee charge, going take all the cash value after age 80!!!

yodhangzien

I have a question; how do u get $60 k from IUL. Can u do an agent illustration? I did it with transamerica with same figure and max I get is $28k first year going up

movie

IULs are LIFE INSURANCE first, investment second. These policies are typically only suitable as an investment in very rare circumstances. If your net worth exceeds $10 million and you have particular tax or estate planning needs, they might make sense. However, for most people, 401k is a better choice.

Source- my dad is a CFP for 20 years.

ambientgamesound

If you want to get a product like this, go to a financial advisor who has a license to determine suitability. As this is not legally a security, an insurance agent can sell this and does not have to follow strict regulations on determining if this is actually a good fit for you like an advisor with a series 66 would have to do. Do you homework before you buy. Might fit for you, but you really don't know if you only meet with an insurance agent.

johnbuchanan