7 Years of IUL Performance: Case Studies with Real Policies

[@jasongarcia560]

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?!

[@RemYr-ym2bg]

I'm learning about IUL contracts, now. The benefits you listed....is that under the option B iul?

[@jameswright44]

Not to mention the fact that IRA’s don’t have a death benefit……

[@christieanderson1330]

Thanks for your information. My friend is trying to get me to sell IUl

[@JP32265]

I used to sell iul and now I only do whole life. IUL is great but it will never beat the market obviously.. however the guarantees are horrible, and if the policy doesn’t perform as illustrated it does in fact break not in 7 years but in the long term… I run my practice by keeping insurance insurance with the best guarantees aka WL/term. Then keep the investments investments with a brokerage account or wba etc etc. this philosophy earns more than the indexed IUL can and provides the best overall protection with guarantees.

[@stevenkay4099]

Absolutely legendary bit starting at the the 6:30 mark!

[@shadowfire1658]

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?

[@CashValueLifeInsuranceReviews]

sure! [e-mail]

[@VegasStyleDayTrading]

Show us the cost of insurance in the policy. What will it cost in 20 years?

[@tharealSeanB]

Actual cost of insurance goes down over time because cash value growth reduces net amount at risk for the insurer. Eventually cash value grows to the point you're self-insured and net amount at risk for the insurer is 0, therefore cost of insurance is 0.

[@WWIIPacificHistory]

This was a great video! I loved all your shoutouts to the naysayers!

[@AndyMcCann42]

Love it.... how can they know its the product if they didn't even listen

[@larryklein2435]

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%?

[@CashValueLifeInsuranceReviews]

Of course there are. The purpose isn't to calculate internal rate of return - the purpose is to show they outperformed the illustrations.

[@TheOpinionSports]

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.

[@WWIIPacificHistory]

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.

[@TheOpinionSports]

@@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.

[@kunalamin8]

Do you have any statement of North American?

[@atm8797]

There are always safe options in a 401k.

[@TheOpinionSports]

@@atm8797 like what?

[@Solafide762]

Why bother when you could just get a good guaranteed rate and a 6-7% dividend from a mutual?

[@TheOpinionSports]

The dividend is not guaranteed in whole life

[@dailstancill720]

So refreshing....

[@factshurt5362]

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

[@CashValueLifeInsuranceReviews]

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

[@jacobjohnson8456]

This is why I only illustrate 6% on any zoom call I have with a potential client Always under promise and over deliver

[@JoeC5050]

@8:50 Agent has become very rich!!!

[@rukiddingmeNJ]

7 years!? All the WL salesmen’s heads are exploding. 😂

[@BenjaminBorden]

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.

[@richardalvarez6537]

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??

[@ricardoalcides7184]

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.

[@AngelHernandez-mh2ny]

@LIFE180