Indexed Universal Life Insurance for Tax-free Income

[@nickjames7914]

Looks like a National Life Group IUL Illustration. Great Company.

[@albertoorozco622]

First off, So grateful for all of the amazing content you provide. I spend over 2 hours in my car and your videos are always my main go to. i have a question...... I understand the concept of structuring IUL's for maximum cash growth and lowering the premiums to the allowed amounts. However, what do you do when a potential client has no type of life insurance in place? Is it best practice to still structure the policy with a low premium amount and offset with a term policy separately? Thank you!

[@awakenmylove7775]

Youre saving my life. Thanks for all you do

[@CashValueLifeInsuranceReviews]

Glad to hear it!

[@CaitlynGriffin]

I would love for your review of Foresters Smart UL! Thats what my husband and I primarily contribute to, as well as others.

[@vnvela8613]

Are IULs best for individuals who can contribute large annual premium amounts? What is the minimum annual amount one would have to contribute to an IUL? Will an IUL premium eventually get to expensive and collapse?

[@CashValueLifeInsuranceReviews]

VN, I would be happy to chat about these questions! Feel free to book some time with our team using this link: calendly.com/leveragedwealth/

[@medic17508]

I'm about to sign for my IUL policy using Transamerica. What's the best way to compare before I sign

[@sarojthapa4218]

In the gueanteed side the policy is expiring but non of any agents would like to talk about that or they don't illustrated based on guaranteed side why? Could you please explain for me.

[@CashValueLifeInsuranceReviews]

Guaranteed Ledger projects 0% index performance year over year.

[@alex310110]

Hi Matthew, thanks for these well explained videos! I'm currently under 30, and I came to you channel while I was searching for opinions about the infinite banking strategies, because my colleagues have been talking about them. I remember in that video you mentioned that the growth in WL is too little due to the little risk it's taking, and a stock portfolio (or maybe just SPY500 index) will outperform it in a long run for 20 years per say. I also saw the policy examples you showed in your videos usually starts at age of 50. Starting at what age do you think it's making sense to buy life insurance (e.g. IUL in this video) for tax strategy in the long run, considering that I can easily max out 401k as well as Mega Backdoor and Roth IRA backdoor every year? Thank you!

[@CashValueLifeInsuranceReviews]

I am glad you found our videos helpful! Book some time with us and I would be happy to chat through what might be best for you: leveragedwm.com/contact-ii/

[@ashleytaylor994]

Matthew can you consider labeling the videos 1-4 to make it easier to be in sequence?

[@CashValueLifeInsuranceReviews]

Ashley, Here is a helpful link to a playlist that has them in the correct order: kzbin.info/www/bejne/bXnXdYB8mappacU

[@williamdillon9404]

Who knew the dad from Bob's Burgers was so smart!?

[@colonbrother]

Great content! In an IUL upon death does your loved one get to keep both the cash value and policy amount or do they have to choose?

[@CashValueLifeInsuranceReviews]

Thank you for watching! The Cash value is included in the total death benefit.

[@colonbrother]

@@CashValueLifeInsuranceReviews "Included in death benefit" is a bit vague for my brain. If I die with a 1 million dollar policy and I also have 300k in cash value does my loved one get 1.3mil or only 1mil? Appreciate the extra time!

[@TrueNovice]

@@colonbrother Total of 1 million unless you choose the option face value plus cash value. You self insure the 300,000

[@jcmorgan26]

@@colonbrother I'm new to looking into IUL but from what I understand, the idea is that it works almost like a projected savings account in that your policy value is what you think you'll be able to save in the account before you die and the insurance company essentially guarantees the remainder until then. As you pay into the cash balance, the amount the insurance company needs to cover reduces (assuming you're death benefit is constant) because you've self-funded that insurance and therefore the risk to them is lower which leads to lower fees. That's why some people recommend putting as much as you can into it in the first few years to minimise the amount the insurer would have to cover if you died, that way it can continue to grow tax free with whatever it is indexed to with minimal fees to the insurance company.

[@JerickMoss]

What’s the best IUL in your mind. The indexed?

[@CashValueLifeInsuranceReviews]

Thanks for watching! What does this mean?

[@seankarhan3681]

I thought this was Ted lasso

[@drob5418]

Lol. A very smart & personal-finance insightful Ted Lasso.

[@timothythompson4036]

This guy isn't properly explaining the risks of IUL.Especially mortality risk.

[@CashValueLifeInsuranceReviews]

We appreciate your comments, however, in this case (and in some others), your comment is simply inaccurate.