Indexed Universal Life Review - (IUL) Tax Free Retirement

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If you are looking for tax free retirement income and have an indexed universal life (IUL) policy (or any cash value life insurance policy) you NEED a policy review. Check out the difference in tax free retirement income by the right vs wrong design.
Using Indexed Universal Life for tax free retirement income can be a great thing!
Some people call is 7702 accounts. Other call them 770 accounts or 702 j retirement plans.
Don't get bogged down in sales lingo. The best way to get maximum tax free retirement income from an indexed universal life policy Is to make sure its designed the right way!
Too many agents get GREEDY and design IUL policies for maximum commissions vs maximum tax free income for the clients.
Cash value life insurance can be a great addition to your tax free retirement income, and specifically indexed universal life can give you one of the better rates of return on your money.
It important you understand how IUL works and exactly what IS indexed universal life!
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[@CashValueLifeInsuranceReviews]

A proper policy review can literally be the difference in HUNDREDS OF THOUSANDS OF DOLLARS! Don't delay!

[@Thelady616]

Thank you! I am so overjoyed that I was only trained to use Increasing. I was praying that I didn't do a single client incorrectly. My heart is at peace.

[@davidrockett5789]

Oophs...Bad Wrong. Your subsequent policies did NOT have the same Death Benefits...which you drastically REDUCED without saying anything. You say they are "the exact same policies" over and over...but they're not. Look at the last policy, you say designed correctly -- it has a beginning Death Benefit of $528,402...which is less than 1/2 the original policy. Also the "catch" at 5 and 10 yrs DO offer more income...but far less Death Benefit. NOW...the policy holder might like the added income over the greater DB...but that's NOT what you said. You just lowered the DB...sometime more than 1/2...and called it "the exact same policy". This does NOT mean your premise is wrong. I think you are likely right...proper design from the start IS important. But that is NOT what you illustrated. It would be interesting to see how the Original "bad designed" policy would perform for income...adjusting the death benefit as you did in the others???

[@JAJA0913]

It must be pointed out that the different scenarios use different assumed growth rates. The results of course will be different.

[@CashValueLifeInsuranceReviews]

Lucian Lu ...I believe they were 10 basis points apart

[@wardanyan84]

It’s a great product but a horrible design for cash accumulation. You can fix it with the same policy and make more income. You just need to decrease the death benefit to maximize cash value.

[@giszz]

After watching your videos, I understand now. I've been calling and checking with my agent but they haven't responsed since it seems they don't wanna fix my policies. I just scheduled for an appointment I hope to speak to you soon thank you!

[@robertmanzella3944]

Thank you for opening my eyes to this.

[@CashValueLifeInsuranceReviews]

My pleasure! feel free to get your policy reviewed by me and my team: leveragedwm.com/iul-review

[@trinhtran5197]

This design is great for retirement incomes. What if the client pass away early? his family will have less money. Or if the client gets seriously sick? his living benefits will be less either!

[@CashValueLifeInsuranceReviews]

Buy Term!!!!

[@truthdeleon5763]

@@CashValueLifeInsuranceReviews or term LB

[@nowayarte]

Best investment vehicle ever made !!

[@Ryanw1213]

No good agent should EVER recommend an early surrender that will lose 30+% of their surrender. You talk about getting your blood boiled with policies set up incorrectly - I'm with you. However I would never incur a huge surrender like that. That's bad advice. No illustration is set in stone. There are several ways to go about handing this client with his/her current company. Another thing is the interest rate being ran on the illustration. The AG49 limits could be different. Nationwide and AIG are both great companies but if you're not running them at the same interest rate, it is not apples to apples.

[@TheOpinionSports]

Or what would happen in nationwide if they just put it at option 2 increasing to begin with?

[@muchimi]

Matt thank you so much I am following your channel religiously I am learning much as much as I can I am a brand new producer licensed in the state of Maryland for life insurance and annuities I wish I had the opportunity to talk to you thank you once again keep posted

[@changvang3018]

Thank you and good explanation but it would be better if you can show how to quote as well.

[@CashValueLifeInsuranceReviews]

Thanks Chang Vang. I do not consider this training for agents.

[@bessource]

Beautiful example! Based on your 4 different examples, it's a no brainer that policy review is paramount to policy performance. Clients put there trust in producers/ advisors for that specific purpose because it's there expertise. I do have a question though. What if there is no cash value in the policy and a client is just starting out with an IUL. Would you recommend starting out with option A, reviewing the policy several years down the line to make the neccesary adjustments and based on the cash value build switch to option B?

[@CashValueLifeInsuranceReviews]

Each client is different, it's too tough to give a generic answer.

[@bessource]

@@CashValueLifeInsuranceReviews understood

[@richcascio2027]

@@CashValueLifeInsuranceReviews do you replace a lot of policy's? If so is that because of how the dB was set up? Thank you

[@CashValueLifeInsuranceReviews]

@@richcascio2027 I replace tons of policies that are structured poorly. Yes. The good ones I leave alone!

[@richcascio2027]

@@CashValueLifeInsuranceReviews how are they structured poorly?

[@ozzyceo]

On the first scenerio on the AIG. Why does it fo from life insurance 1,337,392 drop to 830,377? I don’t think it’s a fair comparison, you reduced the face amount. Which is a great set up but not really being fair and just assuming nationwide is a bad product. The nationwide product wasn’t set up the same. Making the AIG look favorable.

[@CashValueLifeInsuranceReviews]

It wouldn't much matter. That's not the reason for the difference in income.

[@kjaujla7589]

Great Information. Thanks. I will contact you when ever I need help. Thanks again

[@HardSoundGuy]

Thanks, good video. Seems like the correction made was to change the DB from Level to Increasing. Interesting how much of a difference that makes.

[@CashValueLifeInsuranceReviews]

big difference. It changes commission as well.

[@richcascio2027]

@@CashValueLifeInsuranceReviews how does it change the commission? Thank you

[@steveedlund1205]

@@richcascio2027 because your commissions are based on the death benefit amount on year 1.

[@richcascio]

@@steveedlund1205Edlund thank you for replying...

[@jzylker]

He also lowered the death benefit amount. It should have been set up from the beginning with a smaller death benefit and increasing.

[@aaroninretrograde]

- solid explanation and video!

[@CashValueLifeInsuranceReviews]

Much appreciated!

[@ericgroenberg706]

So, I am confused. You mentioned that you are using the same product type(True, it's an IUL) however, you are NOT using the same company let alone product. Are the Caps/Fixed rates the exactly the same or anything else with these two different companies?(Nationwide vs AIG).

[@sylaskeb3493]

See that’s what I was wondering too. Like why didn’t he keep it either all NW or all AIG.

[@LaPelotaenlaCabeza]

Because I think he doesn't like Nationwide, so that way he can make them look bad.

[@pmiralles]

Are not caps and indexes different?

[@dennyoviedo4102]

Wonderful thanks 🙏 for you honesty.

[@deobasnet9888]

You doing with different company’s illustration. Why don’t you use only by Nationwide Illustrations?

[@CashValueLifeInsuranceReviews]

Thanks for watching! I am not sure what you are asking.

[@deobasnet9888]

Hahahah 🤭🤭🤭 you don’t get it… Show the what rate of return you are using with different illustrations. I saw you were showing Nationwide illustrations which you are saying not right structure. And you keep design in right way with different company’s illustrations.

[@xuyian2362]

The example you show with different face amount and different death benefit option. As you said with wrong design, it's better to compare one company with different design which gonna comparable.

[@CashValueLifeInsuranceReviews]

That's the point. Design matters.

[@loganholle4683]

What is the best product you recommend for the highest amount of lifetime income? When structured correctly. Meaning the DB is the lowest it can be based on the premium outlay. Trans have fairly high fees AIG seems pretty fair Allianz seems to be good Pacific Life has high fees also it seems And what product do you believe is the best?

[@nowayarte]

Transanerica FFIUL IS RATED #1 by Forbes

[@nowayarte]

Athene has the best indexed annuities for the older generation.

[@cocomigs]

What is illustration interest rate apply for two policy?

[@kabindrasunuwar2302]

Hey, you are just showing the numbers but you are not mentioning the key ideas of structuring right way. It's not worth of seeing videos if you don't show/tell how you structure right way.

[@CashValueLifeInsuranceReviews]

Kabindra, Feel free to check out the other videos on my channel. I do a lot of educational videos about the specifics an IUL.

[@factsfeelings3928]

Just buy life insurance and then invest in index fund separately. Stop confusing people's whole lives, each of them only have one.

[@CashValueLifeInsuranceReviews]

I actually did a video on that. You should check it out. kzbin.info/www/bejne/aHTMpYKkgdJ9d6s

[@Jharris2real]

Why do you think the nationwide accumulator 2 is a bad product? You have potential for a 25% cap, I'd love to hear your opinion on why it's bad.

[@elandeta]

Nationwide is a Mutual COmpany, and INDEX accumulator is a great product, if structured correctly, and also if FUNDED correctly, they also pay you a 15% bonus starting year 15. Any policy you have can be modified thru time to make it more cost efficient, dropping the Death Benefit as shown in the AIG policy, can also be done in any IUL after year 2.

[@jaypeefernan4624]

Hi. Appreciate your videos. I am a new licensed agent, and the brokerage I work for mainly sell iul policies. I have a hard time understanding the language of things sometimes. I wanted to ask, what does it mean to have a policy that has 10 years surrender value? What happens after the 10 years is up?

[@CashValueLifeInsuranceReviews]

Surrender charge lasts for ten years

[@jonathanpoole1164]

My question to you is what is the highest risk class you offer and how come you aren't showing at how much interest rate you are illustrating this at? Also why not compare apples to apples, one is minimum non mec(hopefully) other is over a million dollar policy, one is level the other is increasing? Lastly what benefits are in both, ltc disability critical illness etc and what is the 20 year look back performance or at least last 10 years on both? You can illustrate something better but when it comes to the real deal which averages more rate of return? Sounds more like a sale pitch to use you or your product then actual education.

[@steveedlund1205]

Matt, at age 65 the death benefit is $1,425,513, but age 66 the death benefit drops to $1,094,144. how does taking $91,630 on year one ,cause this huge drop?

[@rafajr90]

Face amount reduction. Aig has that option

[@TheOpinionSports]

What determines what the death benefit is?? Could the nationwide one had been set up with a 500k death benefit paying 2,000 a month??

[@drob5418]

Yes, okcboi. (With your permission @cashValue) Generally, you can ask the projection software to “solve” for the minimum Death Benefit to maximize the cash value growth.

[@elandeta]

Yes I could have been structured properly

[@audreyl704]

i asked life insurance agents and 500K Death Benefit is 12k/year

[@anashar31]

Great video! And thanks for educating us on how to not fall into the big mistake of having a poorly structured IUL! I have learned it the bad way but I’m so glad to have learned so much from you and thanks for helping me improve my situation..Anyone who has a iUL should have it reviewed

[@CashValueLifeInsuranceReviews]

You're the best!

[@dailstancill720]

Nice explanation. What's your opinion of MPI Unlimited for retirement income?

[@sarchuun]

Thank you so much....

[@CashValueLifeInsuranceReviews]

Thanks for watching!!

[@ColtonLaneHall]

Please do an IUL Review for the company American National Insurance!

[@jonaleon3382]

Colton Hall I pay 1k per month, with Them too, but I really need to learn all the details too,

[@jzylker]

I agree that setting the policies up correctly in the first place is the right thing. However, your "Replacement" recommendations are not the correct solution for this client. If you were really helping him "Fix" his account, you would not 1035 into a new policy, but fix the one he is already in. You can correct the "too big" death benefit by lowering the Nationwide DB and switching it to increasing. Then add a term to supplement the loss in coverage. The change that you made gave about $300k less in coverage from the beginning. The Nationwide when fixed would perform better than the AIG. I work with both companies so I am familiar with both and you can make the corrections. The real reason that the plan you created paid better at the end was the blend allowed you to drop the Life Insurance from over $1mil to just around $700k. Another loss in coverage from your recommendations. Problem with "fixing" a plan that is already in place is that you don't get paid the 1035 commission. Sorry.

[@CashValueLifeInsuranceReviews]

Jessica, trying to "tweak" the problem in a current policy often only reduces the fees minimally, the death benefit is not the only cost associated with these policies... fixing the death benefit on a current policy might not help your policy grow any. Thanks for watching!

[@mariadelcarmenpalomino1792]

Thank you for your information and one question... have you heard about national Life group...? Thank you

[@CashValueLifeInsuranceReviews]

Have already done a review on them.

[@dawnrain7316]

Matt! Are you an agent? Can YOU sell me the best iul policy and structure it the right way for a 91k retirement income and YOU take the commission? I need a Matt in my life.

[@CashValueLifeInsuranceReviews]

Happy to help! First step is a discovery call with our team: leveragedwm.com/contact-ii/

[@ColtonLaneHall]

How do you know what colum to adjust/edit in order to correct these policies? Would love to see a video that explains the steps in correcting these policies. Recently licensed and IUL's is one of the top three products we sell, and would love to see what to do instinctively to catch these mistakes.

[@CashValueLifeInsuranceReviews]

You know what to look for after thousands of hours seeing these and doing policy reviews.

[@ClintonDawkins]

You've been hoodwinked into a pyramid scheme. That's why you're selling something you don't fully understand.

[@kojimapromeatspin]

Do u find iul good for people who pay a 250-300 premium if designed in right way? Forgive me but i was under impression these are only good for wealthy

[@CashValueLifeInsuranceReviews]

that premium is light unless the person is very young.

[@ashleytaylor994]

Is it better to have two separate IULs at 500 each a month or one 1000 policy per month ?

[@CashValueLifeInsuranceReviews]

Ideally, one single IUL is better than two because it will grow cash a little bit faster, but two IUL's is not the end of the world.

[@AllenLo]

what exactly are being fixed from the first example?

[@TheOpinionSports]

NonStopFilmer the first one had a fixed death benefit the second one had an increasing

[@craigag76]

Starting in the 21st year, its showing a "L" for Policy Loan, instead of "W" for Withdrawals. What's the difference between the two?

[@satviklifestyle]

Loan vs Withdrawal

[@Jharris2real]

I always say "level is devil"

[@randilicious]

Hi Matt! What do you think about the Laser Fund by Doug Andrew?

[@julesneal6512]

So what is the correct product

[@CashValueLifeInsuranceReviews]

Thanks for your question. The correct product really depends on the specifics of your situation. No one-size-fits-all. There are some products that we would NEVER consider, but there are a number of viable options.

[@ebwize7048]

@8:41 I'm confused. You stated that only $66k was being transferred to new policy but the illustration for the new on shows there is $90k in premium outlay??? Can you explain? I'm confused.

[@CashValueLifeInsuranceReviews]

66k plus the planned premium of 24k/yr

[@ebwize7048]

@@CashValueLifeInsuranceReviews Of course. Thanks for quick reply!

[@Bagsn86]

That’s guaranteed income? Or subject to market?

[@ashleytaylor994]

Is the F & G accumulator a good IUL if structured properly?

[@coppedl1971]

I was introduced to IUL's a week or so ago and I am searching the web for information on them to educate myself. In your video you kept saying the right way and the wrong way. When watching thru the video the wrong way appeared to be the Death Benefit in #1 vs. the Death Benefit in #4. The Death Benefit in #2 was very much like the Death Benefit in #1, but the Death Benefit in #3 had dropped quite a bit. With all this said I guess I am asking if the right way has to do primarily with the Death Benefit? Another question would be that if someone got to a point of a premium and a Death Benefit pretty close to what the needed could they not compare apples to apples when shopping for a company?

[@nowayarte]

Get at me an we can schedule an appointment and run an illustration for you. Transamerica is the best hands down !!

[@tullumerechi281]

I am about to buy for my kids and myself, could you help, please

[@CashValueLifeInsuranceReviews]

Yes we can help! Feel free to book a free discovery call using this link: calendly.com/leveragedwealth/lwm-yt?month=2022-02

[@MB-ec1cb]

What's in your opinion the top three companies with their best iul products so I know I am selecting best product for myself?

[@CashValueLifeInsuranceReviews]

I'd love to help you through that process! feel free to contact our team to receive a policy review: leveragedwm.com/contact-us/

[@dantepanik6069]

Well, you showing up an illustration which you CANNOT give out an guaranteed on... Further by the looks of it's by the time the client turns 78, the policy will lapse. Client has NO INSURANCE NOR ANY RETIREMENT. This is a ripoff.

[@CashValueLifeInsuranceReviews]

You are right, the guaranteed column lapses. You obviously do not know what that column means, but that's okay. Thanks for watching!

[@dantepanik6069]

@@CashValueLifeInsuranceReviews right! Continue on fucking up your clients future!

[@cscorona1]

​@@dantepanik6069 lol - nothing to see here. Guaranteed column is meaningless, yada yada. It's amazing people actually sell this stuff with a straight face. Imagine believing you can put $24k into an asset over 20 years ($480k total), and in the 21st year be able to draw down $91k annually FOR LIFE while still leaving a $1 million + death benefit. What a magical money tree. The funny thing is even the $50k/year illustration is complete nonsense.

[@alexallen2767]

Hi, thanks for making video but I'm lost, what it is you do to "catch it and correct" a policy?

[@CashValueLifeInsuranceReviews]

We design efficient policies according to your goals instead of maximizing the policy for comission. Thanks for watching!

[@tang213]

I just turned 34 could you help me and design a IUL that's suitable for me, please?

[@CashValueLifeInsuranceReviews]

leveragedwm.com/iul-review Sure can!

[@CashValueLifeInsuranceReviews]

@@CybertruckNick Ramsey and Orman are great if you are swimming in debt. But financial experts? no.

[@tanishamack4449]

Thank you for the information. I got a little loss because your going to fast.

[@Neverknownone]

You can slow it down yourself

[@abrahamagiba3000]

I’m looking to set up a indexed universal life insurance policy.. how do I ensure get one set up the right way?

[@CashValueLifeInsuranceReviews]

Book a discovery call with us and we would be happy to help! leveragedwm.com/contact-ii/

[@TGPtrev]

Ok Ok, but how many people actually pay $2000/mo for a policy? That's substantial for most income brackets.

[@CashValueLifeInsuranceReviews]

Most of my clients are paying well over that.

[@grissmendoza831]

my premium is 300 a month , death benefit of 40000 🤔🤔

[@grissmendoza831]

how caN i contact u directly!???

[@prezedentx]

I thought increasing death benefit gets more comission than level death beneift?

[@CashValueLifeInsuranceReviews]

Increasing option starts with a less DB than Level. Cuts the commissions in half.

[@prezedentx]

@@CashValueLifeInsuranceReviews yes starts, but won’t commission increase overtime as DB increases therefore having a bigger commission? (As long as policy stays in force)

[@SMJ000]

This is insane....I emailed u about a policy review.

[@TheOpinionSports]

I have a question, over the last 20 years would an IUL outperform a 401k even if the employers matched the contribution?? I have idiots on another channel arguing that a 401k is a better investment.

[@mylifeisnotmyownallen5785]

okcboi not at all 401k is a risk and you will lose your money with an IUL you don’t lose

[@mariosanchez8800]

It's all going to come down to taxes and distribution phase IUL competes against 401ks and IRAs because of taxes and it takes less risk during your distribution phase to earn same return

[@TheOpinionSports]

@@mariosanchez8800 it takes no risk during distribution phase. It’s all about what you keep and in IUL you will keep more long term.

[@mariosanchez8800]

@@TheOpinionSports Of course there are risk with IUL just not the same inhereit risk you have with a mutual fund or stock portfolio And because of this you are able to keep more of what you make But there still are Cost and fees that come out whether you hit your cap or your floor That does affect You're account value Especially if you have a poorly structured policy just like variable loans Which can work for you or against you And the effect of low interest rates

[@TheOpinionSports]

@@mariosanchez8800 I’m assuming the policy is structured correctly. Why would someone take a variable loan? Also the fees fall off after 10 yrs

[@brandonrobinson8016]

Hello Matt. I have two questions: 1. What Non Guaranteed Current Assuptions interest rate are you using for each example? 2. If neither the Nationwide nor AIG is the best, which product is the best in your opinion especially for someone who wants to solve for GPT Increasing @ 35 years old and only wants to put $5k per year max into the policy? Low death benefit is ok as this person would be looking to maximize their cash value respective to their max premium of $5k per yr? Thanks.

[@CashValueLifeInsuranceReviews]

I would have to look at a bunch of companies to tell you that.

[@elandeta]

Hello Brandon, 1- You can design an IUL based on your particular needs, but also on your age and future needs, your Target Premium could be 5000 per year, but you still would or could have space to contribute up to 15k or 18k per year to fund as your income increases. 2-In reality talk about the best IUL is a punctul event in time, and it will also depend on your age, health, financial capabilities etc. Nationwide has one of the LOWEST NLG Premiums in the market, that allow you to drop your premiums but keet your coverage. I

[@cscorona1]

It's amazing people sleep at night selling income illustrations like this to people... yikes.

[@CashValueLifeInsuranceReviews]

Christopher, do you sell IUL?

[@dsshlyak1978]

Hi Matt, my name is Dan I am interesting to get cash value life insurance for myself and my wife, is that something you can help us to get right best product? Can you please let me know, thank you!

[@yodhangzien]

Tax and charges fee take all my money investment!!!

[@CashValueLifeInsuranceReviews]

Then don't buy an IUL

[@yodhangzien]

Which one is good product ?

[@yodhangzien]

Which one to buy ?

[@laquanasimmons3990]

I was thinking that the average person does not have an extra $2000 a month.

[@LaPelotaenlaCabeza]

@@CashValueLifeInsuranceReviews But he didn't give you his age, how do you tell him not to buy it?

[@ravindrachand3271]

You are simply using 1035 exchange to fool people . You are portraying a bad picture saying the AIG iul is the best. Do the maths from the begining by not using the 1035 exchange. see what you get with Nationwide and AIG.

[@CashValueLifeInsuranceReviews]

This is a video focusing on policy design, not product differentiation. But I also did what you are asking for in option #3. Did you watch the full video? The point is that if you set up an IUL the right way, it can be the difference in hundreds of thousands of dollars!

[@dontbefooledbyjumla7869]

What is the change he made he didn't tell. Useless video just another salesman video.

[@CashValueLifeInsuranceReviews]

Thanks for watching! Check this video out, it gives more insight on how to fix a bad policy! kzbin.info/www/bejne/op-vlJSEe7eSr8U

[@eviebernal2913]

$2000 a month LOL

[@steveedlund1205]

Matt, at age 65 the death benefit is $1,425,513, but age 66 the death benefit drops to $1,094,144. how does taking $91,630 on year one ,cause this huge drop?

[@CashValueLifeInsuranceReviews]

It drops on purpose to reduce the fees.