7 Years of IUL Performance: Case Studies with Real Policies
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- Опубліковано 5 лип 2024
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We're diving deep into the real-world performance of three Index Universal Life Insurance policies over a span of seven years. If you're considering cash-building life insurance or want to understand the facts behind the often-conflicting information out there, this analysis is for you. Join us as we break down annual statements, share actual returns, and provide insights into the complexities of these policies.
Key Points:
➡️ Explore the actual performance of three Index Universal Life Insurance policies, cutting through the misinformation prevalent in the market.
➡️ Witness a meticulous seven-year breakdown of annual statements, revealing returns, zeros, and unexpected trends.
➡️ Understand the importance of scrutinizing sales presentations and requesting actual numbers on company letterhead rather than relying solely on Excel sheets.
➡️ Gain insights into the tangible results of the policies, including tax-free returns and surprising success stories
If you're ready to make informed decisions about your financial future, don't miss out on this detailed analysis. Book a discovery call with us at leveragedIWM.com to discuss your goals and find the right strategy for you. Remember, knowledge is power, and we're here to empower you in making the best choices for your financial journey. Subscribe for more insightful content, and let's navigate the world of finance together! #FinancialFreedom #InsuranceAnalysis #InvestmentStrategies
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Going to church won't solve all your problems, going to the gym won't, and hanging out with your friends won't. Nothing solves everything. I like IULs due to long-term care, critical illness, and terminal riders. It also has tax-free loans you dont have to pay back. The interest is credited back. The whole policy needs to be set up correctly. You dont have to wait till age 59 1/2 to withdraw. IULs must be funded correctly.
Term is term. It can be used for mortgage insurance. Whole life seems too expensive.
Roths are great. Tax-free growth, but you have to wait till 59 1/2. They go up and down with the market.
Iras lower your income tax but are taxed later.
Great video! Did I get it right?!
I'm learning about IUL contracts, now. The benefits you listed....is that under the option B iul?
Not to mention the fact that IRA’s don’t have a death benefit……
This was a great video! I loved all your shoutouts to the naysayers!
Absolutely legendary bit starting at the the 6:30 mark!
So refreshing....
Great video! Producer here and loving your explanations and how open and frank your videos have been and it earned my subscription a while back! Is there someplace I can email you an idea for a future video for you to analyze?
sure! info@leveragedwm.com
Love it.... how can they know its the product if they didn't even listen
question not clearly answered: if the policy is credited with 6%, what is the net increase in the cash value? Are there no expenses or mortality costs deducted from the 6%?
Of course there are. The purpose isn't to calculate internal rate of return - the purpose is to show they outperformed the illustrations.
Can somebody answer this…..at what point do you break even on cash value if you put in 20k a year? And, at what point do you start withdrawing cash? Thanks
All depends on the design (product/Death Benefit/illustrated rate/+more). Reach out to our team and we would be happy to show you different options - www.leveragedwm.com/bookmeeting
Why bother when you could just get a good guaranteed rate and a 6-7% dividend from a mutual?
The dividend is not guaranteed in whole life
Why should someone fund their 401k and IRA first?? That doesn’t seem to make sense as the suggestion is to fund 2 accounts first that have zero protection to the downside and zero guarantees.
Why does it make sense to fund 2 accounts with zero guarantees first then after I have maxed those out then go fund the product that comes with some guarantees. Seems backwards.
Not only that, but you generally can’t touch that money without penalty until you’re 59.5 years old whereas there’s no such restrictions on the IUL’s.
@@WWIIPacificHistory yes I am aware of the rules. I heard him mention people should do their 401k and IRA first then do IUL. Why take risk first then gravitate to safety last.
Do you have any statement of North American?
There are always safe options in a 401k.
@@atm8797 like what?
Yea so $300 a month for the person who could afford that little would be bad advice. Sorry. They can put that in a Roth at 8% and have 265k after 25 years. Al tax free. You’re licensed right? Go ahead and throw in here what they would have in an IUL.
Are you really asking if Matt is licensed?? I think he addresses your example towards the end of this video. What is the point of your comment??
Roth isn’t guaranteed. There’s an average rate of return but isn’t good when you’re 55 and market crash. Also let’s talk about living benefits and life insurance.
@LIFE180