indexed universal Life insurance pros and cons- Is IUL Good or Bad

[@CashValueLifeInsuranceReviews]

All good? All bad? It all depends on the execution!

[@canadyfinancial]

Matt your videos are a gift to the insurance community. It wasn't until I watched your videos that I truly understood how IUL can be a beneficial part of a retirement strategy.

[@CashValueLifeInsuranceReviews]

Best of luck Jason!

[@Allenballen88]

Sir, this has been the first unbiased iul video I've seen! Thank you! I'm working on becoming an agent as well as starting a policy for myself and definitely don't want to be a crooked agent and at the same time i don't want to get screwed in the future! But you're video was so informative and unbiased! Thank you! Truly

[@brianmasiello1002]

I can honestly say Matt, you are the leading authority on IULs on KZbin. I love IULs, but I get annoyed when people tout them as the end-all-be-all. You give very honest, transparent reviews and I appreciate it as your peer.

[@CashValueLifeInsuranceReviews]

Thank you Brian!

[@tiffanycarrascobarajas1455]

GREAT VIDEO! Thank you for being so transparent and honest, I wish more agents would be like you instead of trying to say IUL’s are bad… they are just not for everybody but if they are well structured and the carrier is good, it’s a beautiful tool!

[@CashValueLifeInsuranceReviews]

Exactly!!

[@bessource]

Excellent! To me pros and cons means striking a balance in the understanding, explanation, and breakdown in something as complex and on many levels, abstract as insurance. Additionally, the conclusionary questions help to solidify whether or not an IUL is beneficial based on your personal circumstances and situation. Again, another amazing articulation for knowledge and practical utilization plus the sample illustrations are a bonus. Yet again, thank you for taking the time, energy and effort to share your knowledge and expertise in the multi-faceted arena of insurance. I appreciate it.

[@CashValueLifeInsuranceReviews]

Love your comments!

[@BrickinItUp]

Thank you for this. Your last point on the cons when talking about how a IUL isn't built for Bank on Yourself/Infinite Banking success really drove it home for me on which is best for my situation. Thank you.

[@wanglee21]

Its great when someone can simplify the pros and cons and show us spread sheets of how it can work right and wrong. Other videos only focus if its good or bad. Never laying out what if offers as a package. In the end any kind of package you have to know your product and if your agent is looking out for you or scamming you for most profits.

[@CashValueLifeInsuranceReviews]

I'm glad you enjoyed it Karl!

[@mattnoel994]

Matt this is fantastic! It really is how it's designed IMO. I will be showing these to my clients. Thanks

[@chrisjonda7009]

Matt has already helped me with my policy. These videos are fantastic as IUL is EXTREMELY complex to understand.

[@CashValueLifeInsuranceReviews]

Chris Jonda Thanks Chris!

[@stv-news]

Great video!!! Do these companies change their crediting CAPs more often? The reason I ask is because: an increase in cap during the bearish stock market (or possibly the high-interest environment) would be worthless. Similarly, a decrease in Cap in a bullish stock market (or possibly a low-interest environment) will make you less money. Can you please make a video about the history of CAP changes at least for three of the best companies that you prefer? I believe this is where the future performance of IUL lies.

[@CashValueLifeInsuranceReviews]

Caps are tied to interest rates, volatility, and options skew.

[@CynicalChicken661]

Thank you for breaking this down so well.

[@CashValueLifeInsuranceReviews]

Glad it was helpful!

[@samsciascia4004]

Good video...the biggest problem I have is when a new product comes out those caps drop on the old one

[@LA-vd3ls]

Ok I'm 35 years old with not a lot of money to spare to pay anything more than $50 if that and someone is trying to sell me and IUL I'm I the right client for him to make this kind of purchase(target market) any sale for him is good but any purchase for me might not be in my interest

[@CashValueLifeInsuranceReviews]

No, you are not the right fit for IUL.

[@archanarana8329]

Could you please share the video where we can see the best way of illustrations for IUL. very nice presentation and helpful. Thanks

[@CashValueLifeInsuranceReviews]

I'm happy to help! I am not sure exactly what you are asking for though.

[@straitjacketstudios]

I have sat through hundreds of webinars and KZbin videos on this topic. One thing is consistent and that is the “disclaimer about how these are structured. However, no one ever seems to elaborate on what that actually means. It’s almost as if everyone uses that as a disclaimer as to these policies under performing. Almost as an easy out

[@laazmo]

Love the pros and cons illustration. Can you explained at the end of the video why the first policy is wrong design? but the second policy is a right design?

[@patybeltrantejiendoacroche9609]

What I saw in the first one is that the death benefit is greater than the second one, so the cost of the policy is expensier that mean less money to your savings

[@patybeltrantejiendoacroche9609]

The money you can put on your iul anually depends on the death benefit, I know this because there are some free clases online every week. zoom.us/meeting/register/tJYtdO2upzguH9UVd8mm0c3vwKvU4qtzNCok

[@patybeltrantejiendoacroche9609]

You can learn a lot on the link I sent you there are five different classes

[@knsrinivas70]

Great presentation! Question though. Why do these companies even let the agents resort to badly designed policies?? In order to line their own pockets?😞

[@CashValueLifeInsuranceReviews]

"Bad Designs" can be relative based on your goals for the policy. People want often want different things out of these policies (cash growth, death benefit protection, etc).

[@alustig14]

What are some of the best questions to ask in order to determine if this is a good policy?

[@CashValueLifeInsuranceReviews]

what is the ratio between premium and commission? Anywhere near 100% and you are dealing with a bad dude.

[@alustig14]

Cash Value Life Insurance Reviews am I able to email you the policy I was given?

[@CashValueLifeInsuranceReviews]

@@alustig14 matt at leveragedwm.com

[@alustig14]

Cash Value Life Insurance Reviews I sent an email

[@MikeC-my4lf]

Questions...Given someone that's 50, just started investing in their retirement with a Roth, with no Life Insurance...they are most interested in a policy they can grow and cash out at retirement. What policy? Next question...given 2 children, ages 22 and 18, what Life Insurance policy is most financially beneficial for them by the time they are 50?

[@CashValueLifeInsuranceReviews]

If cash growth is the goal, IUL is the best way to go in my opinion in regards to what insurance vehicle to go with.

[@steveambrose2349]

But there is a cap on how much you can put in. Is there not a MEC limit associated with an IUL before taxes become a concern?

[@RobTheHandsome1]

You said in the video a bad agent sets up the fees so they don’t increase. Then go on to say that fees that increase over time are bad. Seems a contradiction. It’s right around the 10 minute mark.

[@timcox9650]

I think he just misspoke the first time. A good policy would be one in which the fees decreased over time.

[@deobasnet9888]

This is truly fantastic explanation. This help a lot a lot to explain to clients . Please can you reply with picture of that pro vs con paper because can’t really read it.

[@steveambrose2349]

And does not a person need to qualify health wise to even qualify for an IUL?

[@anashar31]

Excellent video ! very informative. Thank you !

[@CashValueLifeInsuranceReviews]

Thanks Dany!

[@danceking40]

As someone who is 60, I don't think I have another 30 to 50 years. If I am front loaded on fees for the first 8-12 years, this doesn't sound like the best thing for seniors.

[@CashValueLifeInsuranceReviews]

Depends on your goals for getting a policy!

[@khongcolong]

Excellent video thanks for sharing your knowledge.

[@CashValueLifeInsuranceReviews]

Thanks for watching!

[@archanarana8329]

For retirement I’m looking this policy, I’m 45 year old, what’s the best way to design my IUL?

[@CashValueLifeInsuranceReviews]

Book a discovery call with us and we show you exactly how to get the best bang for your buck! leveragedwm.com/contact-ii/ Thanks for watching!

[@markjaret4731]

I just found your channel in my research of this topic. Thank you for all the value. If you could point me in the right direction.. I’m looking somewhere to put my income in as to not pay earned income tax, but at the same time be able to get a loan against my money immediately while it’s still generating interest for me. Does this product give me these benefits?

[@CashValueLifeInsuranceReviews]

Hey Mark. We are happy to help see if this is the right fit for you. Feel free to book a discovery call with us to talk more about the IUL! leveragedwm.com/contact-ii/

[@codyballardmadden]

How do you feel about the Pacific Life IUL?

[@lynfisher149]

Great explanation, Matthew! Thank you!

[@CashValueLifeInsuranceReviews]

Thanks Lyn and GOOD LUCK!!!

[@robmartin217]

Great video....

[@bexsprague]

Thank you!!!

[@movie30000]

What are the 3 companies u said that had changed their mortaility rate quotient

[@mattmillyrock3170]

Hi matt, why would you recommend an IUL over an WL to someone? and vice versa?

[@mariadelcarmenpalomino1792]

What company offers the product..?

[@CashValueLifeInsuranceReviews]

A bunch of them!

[@craigfugit997]

Hi Matt - In terms of an IUL being a “long term play” from a retirement income standpoint, on a maximum funded policy ($500,000 in at $100,000 per year in years 1-5) at what point would it make sense to start taking lifetime income in the form of annual policy loans? Would that be starting at year 6...year 10, etc.? Thanks, Craig in NC.

[@CashValueLifeInsuranceReviews]

Craig, it is really hard to say when is the "best" time to start taking loans. I'd say it depends on lots of factors. If you would like to head to my website, you can book a free discovery call with me and we can talk through what it could look like for you! leveragedwm.com/iul-review

[@juandejesusperezjr41]

0:26 0:29 0:30

[@rodrigosalinas5384]

Do you have a favorite IUL company?

[@ashleytaylor994]

Had covid affected adverse mortality ?

[@jsanti8572]

Is php a good carrier

[@CashValueLifeInsuranceReviews]

PHP?

[@edriandalisay6886]

Is Transamerica IUL a good carrier?? Thanks

[@CashValueLifeInsuranceReviews]

I never ever write IUL's with Transamerica

[@edriandalisay6886]

@@CashValueLifeInsuranceReviews ok i have my IUL with them, i think its a good one but i saw some videos that they have really expensive fees, thats why i wanna know ur opinion. But thanks

[@CashValueLifeInsuranceReviews]

@@edriandalisay6886 fill out a contact form here and i'll review your IUL for free! leveragedwm.com/contact-us/

[@dianestricker2690]

@@CashValueLifeInsuranceReviews Why?

[@dianestricker2690]

@@CashValueLifeInsuranceReviews Why?

[@MRossowTenorSaxBug]

TDAmeritrade... duh..

[@pablo08034]

A fiduciary for the masses.

[@stanislavandriian9323]

Does Pacific Life a good company for IUL?

[@CashValueLifeInsuranceReviews]

I did a review on them. Very expensive.

[@stanislavandriian9323]

Cash Value Life Insurance Reviews Thank you!

[@Davidru550]

What about Mutual of Omaha's Income Advantage IUL?

[@slongvic]

National Life Group, Flexlife IUL