So, not only is Option B increasing death benefit and death benefit + cash value payable to policy beneficiary?

Great videos, just wished you zoomed into the illustrations so we can see them better.

Anytime you work with an agent, you can get screwed. When they tell you this is a great product IF done correctly, run for the hills. Nobody tells what right looks like...

I have seen Nationwide do the opposite and add indexes to products even after the product has been taken off the market. The proprietary index I have is performing well and the par rates have increased. If you know how to see what’s in the index then you know is which ones to do and which ones to stay away from.

You said you have seen Nationwide do away with a proprietary index?? Which product and which Index?? I do not believe your statement is true

36793 Schroeder Locks

Thanks for the very informative content.

837 Colby Forks

Clark Jason White Mary Perez Richard

So much misleading info on here. Also “first 60 days” doesn’t mean when you first join. You’re misleading people. Also you are wrong on overrides and contracts. Do more due diligence and present factual information

What company are you?

Great video on financial wellness! Given your interest in overall health and wellness, you might also enjoy the content on Peak Point Fitness. They provide valuable insights into maintaining physical fitness, which can significantly complement your journey towards financial wellness and healthier relationships.

The camouflage shirt MAKES the video. Camo will NEVER go out of style . . .

42330 Smith Lodge

You don’t really get tax deductions post Trump tax reform lol

“There is only 2 kinds of people who sell whole life insurance. There are those that know it’s a ripoff and therefore they’re crooks and there are those that are too stupid to understand the mathematics.” -Dave Ramsey

Thanks!

Hearing the stuff being said, and working under Eric in the past, and having worked with some of his "leaders", I can tell you the majority of his hierarchy over sells the opportunity and products. They have been getting better on transparency. But the level they are at now from a product side, should have been solved over a decade ago. So much hype, yet so little substance half the time.

Your money goes in the hole with whole life ! IUL forever !

Williams Susan Lopez George Brown John

410 Eve Islands

I need your help

Wish I had seen your videos earlier. Would a 1035 exchange from IUL to Whole Life be a good idea? Thanks for any advice.

As an agent, I really appreciate your videos, thank you! I know you probably don’t want to mention it here, but what carriers have the dividend history we can rely on and sell? How can we research that?

This is an idiot. Yeah whole life policies are the key & stsy away from the stock market.. what a dumbass. Oh, and debt is good too, apparently 🙄

whole life insurance is great as insurance product (if you don't have the discipline with term life), but NOT as a method for wealth. It crazy that the insurance company charges you on your own money that you give them (YOU ARE BORROW from your OWN money) if you withdrawing from life insurance cash value. if you need to save money open a brokage account(fidelity, charles swap) and buy SP 500 INDEX FUND (if saving 5 or more years) or high yield saving account/certificate deposit. BUY insurance and wealth separately, NOT MIXED PRODUCT, that where

So there's ZERO upside to IUL's. No example of fantastic outcome?

820 Bogisich Lane

71181 Brigitte Stream

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

People preaching infinite banking do not understand how money works. If this is so lucrative, why is wall st and rich not into this, but middleclass people sold out by insurance salesman.

As if the banks want to put majority of THIER money into a risky strategy…use your brain

Clearly doesn’t understand IUL and This strategy haha my IUL has Returned 11% since 2014

What's the ideal age of a client I should market WL to?

When someone says “I am going to be transparent” or “to be honest” you can guarantee a lie is soon to follow.

What do the people that train you gain from training you?

Def learned a lot from IUL content ❤

If I paid the interest, would that be enough to save my policy only borrow 4000 but the interest is two years is $414

3176 Sheldon Drives

12016 Vivianne Villages

1. This IUL was not properly designed ( you can tell by looking at the 1st year cash value vs what the premium was) 2. if this illustration assumes a 6.2% gain avg a year, you cannot start taking distributions of a 8% a year ( like this example shows), you need to do 6.2% distributions as well. 3. If your policy is at risk prior to age 75 before the loan protection rider kicks in you simply start taking less in prior year to manage accordantly. 4. IUL have a wash loan feature that in distribution year makes the cost of a loan = $0 ( which gives you another protection in case you get into bad index years). Overall this example of IUL is a very bad design and also an example of what not to do with distributions, well designed IUL and max funded can do wonders if also manage accordantly.

Hey Chris I appreciate all your videos, super informative! I’m devouring everything you put out, eventually want to get back into the Insurance and Financial Planning industry, so I’m learning everything I can especially about insurance as I previously sold IUL when I was active in the industry. The last thing I want to do is put my clients in a position to fail. I notice in this video, and it’s the same in all the IUL agent videos I see: they illustrate distributions at such a high percentage. To me that seems like the first mistake. I was taught more around 4% distributions is going to help ppl not outlive their money…but in the illustrations it’s always like 8-10% they are loaning. Do you think if you were more conservative on the amounts you were recommending your client to take out, that would help sustain these policies? Also I know one of the companies I used to sell had a “wash loan”: I think it was 2% loan fee, but then they would supposedly credit back 2%…have you seen those? Do you know how those work? Thanks. -Zach

You forgot the most important factor here chris.. not IF but when the company lowers caps/ pars & increases spreads, these policies are cooked

set up a clarity call with LIFE180 to learn how whole life insurance might work for you: LIFE180.com/clarity-call

Is it a reasonable thought to build 1035 assets with a VUL, and then roll it into an IUL to lessen the likelihood of lapse before age 75 when the overloan protection rider kicks in?

I appreciate your info so much. Thank you for this. IUL is a deadly tool to wield against middle class

This guy is an IUL hater. You’re telling me you don’t want a 10% compounding return on the $5000+ that you put into this? You’d rather have it sit in your bank at a 0.01% RoR? Or put it in the stock market when 95% of people have no idea how to invest properly? Come on dude.