IUL for Dummies

IUL has likely been a mystery to you and you probably have heard that it is a retirement savings vehicle and you’d like more information about it. One trend we have seen since the last big recession is using an IUL contract as an alternative to the 401k.
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• IUL for Dummies
DISCLAIMER:
The Wealth Protection Lady makes content available as a service to its customers and other visitors to be used for informational purposes only. While our best intentions are to provide accurate and timely information, you should always consult with retirement, tax, and legal professionals prior to taking any action.

[@dianesullivan5338]

Thinking about retirement scares me.I apologize to everyone who is retired and filing social security after putting in all those years of work just to lose everything to a problem you weren't to blame for.it's especially difficult for people who are retired.

[@HildaBennet]

Indeed, It has always been tougher to understand how to build your money after retirement and even more so right now with the inflation. You can experience a completely varietied market passively by employing a successful portfolio-advisor.

[@PennyBergeron-os4ch]

Even if you're not skilled, it is still possible to hire one. I was a project manager and my personal portfolio of approximately $850k of my retirement pension took a big hit in April last year due to the crash. I quickly got in touch with a financial-planner that devised a defensive strategy to protect my funds and make profit from my portfolio this red season. I've made over $250k since then

[@JosephineKenney]

Mind if I ask you to recommend this particular manager?

[@PennyBergeron-os4ch]

Google Sonya Lee Mitchell and do your own research. She has portfolio management down to a science

[@JosephineKenney]

I ran an online search on her name and came across her websiite; pretty well educated. thank you for sharing.

[@baconluver2000]

I got licensed in January and have had many people explain this to me and this is the 1st video I understood. Thank you!!!!

[@dimples7235]

I agree

[@oliviaedralin1436]

The problem is that agents sometimes rambles and don’t explain it right. She explained it thoroughly w less minimum words.. I’m working on getting my license soon. Good stuff

[@Magique88888]

You need a license to have this account?

[@simplymichael51]

​you need a life insurance license to sell these accounts to clients. You do not need a license to have an account

[@raffaelearuggiero1969]

One of the most orderly and simplest videos to explain IUL’s. I could never have figured out the words to explain to my spouse. You made it easier for both of us to understand!

[@WealthProtectionLady]

You're very welcome!

[@brucepritchard7505]

I agree this was the best explanation of IUL iI have seen. I will play this for my wife who has the look of disbelief in her eye.

[@fost2u]

Where is the best place to start a iul?

[@davidforteza1063]

@@WealthProtectionLady I'm 54, will this work for me or am I too late

[@jaclyntran2939]

@@fost2uhi. I can be able to help that. I can introduce you to one of my best trainers. :)

[@samqpat]

As an insurance agent, I shy away from IUL's because my knowledge was not that strong. I feel I am a little more knowledgeable after watching this video.

[@pablo08034]

I can’t believe how much ground you cover in just 15 minutes. Well done!

[@WealthProtectionLady]

Thank you, Paul!

[@joesmith9483]

@@WealthProtectionLady it's not fair. opened one up 13 years ago and they've decreased my cap so I haven't been getting the projections from the original sheet.

[@aflack1976]

@@WealthProtectionLady if you take a loan on your money @ 4-5% and the market is down and you hit the 0% floor for 2 yrs like in 2008 aren’t you losing money at that point for the interest being paid on the loan and the index being @ 0% and depending on how much was borrowed couldn’t that possibly lapse the policy ?

[@Radiateprosperity]

Out of all the IUL videos explaining these types of policies, this is by far the most elaborate and easy to understand. I was a property amd casualty agent and trust me when I say she is a real agent you can trust. I think that even if you don't make the 100k if you take a policy and use her example you can take a loan out against the policy amd invest the money on an ETF or brik amd mortar then repeat the process and within 2 years you will make 100k plus and apply for the zen policy she talks about and repeat the process once again. UIL or IUL is the way to go.

[@michaelyakutis7311]

Just learned about IULs yesterday and had a lot of questions. Your video was incredibly helpful, thank you!

[@joel4chaz]

You explained this perfectly and quickly. No wasted words or graphics

[@mariafernandatarazon409]

This video has been by far the best video for explaining the living benefits out of a life insurance policy. I have came across multiple videos from self-called “gurus” on this industry and none of them have explained better than you. Thank you❤

[@stylemeister1]

THANK YOU! THANK YOU! So simple!! I greatly appreciate the open and honest review of all the IUL options!

[@whitneystanfield184]

Grateful to have found your channel at age 27. Thank you for teaching about IULs and making life insurance easy to understand!

[@vrautpus]

I love how your graph shows the $100K of growth as if 100% of the premium goes to the investment... SIN of omission... also folks... she claims that you must keep this funding up for 12 plus years to see the benefit of cash value growth. I believe the average person cancels or cashes in their policies in that 10 -15 year time frame... plus as usual... if you die while this policy is in-force... the insurance company keeps your cash value... only the face amount less policy loans go to your beneficiaries... her illustration at the 8 minute mark is total fabrication because her poor smuck of a client is paying high premiums to keep this policy in-force... and those policy loans at age 65 and moving forward will cannibalize his policy in a compounded rate of reduction... a ticking time bomb...

[@WealthProtectionLady]

Sean, you have no idea what you are talking about! My guess is that you were screwed by a bad agent in a bad IUL. Everything in your post is false.

[@sarahgarcia5891]

@@WealthProtectionLadyWhat was false in the comment above? What are some sources we can use to verify the assertions are false?

[@leonlee8981]

23 here trying to figure out my Life together. Thank you !!! you explaining make everything so much better into perspective.

[@solo5682]

Thank you for simplifying it to a reasonable level of understanding

[@JayBrie69]

Holy crap, I have been scouring KZbin for a simple explanation of this. You did a great job, thanks for the info!!!

[@Lydia-qh6ho]

So glad I found this video. My husband was thinking about switching from an IUL to an IRA because it didn't seem to be beneficial to us. It was not explained properly to us and a lot of videos bad-mouth IULs instead of explaining how they can work for you. Thanks for your clear explanation!

[@terrialford3786]

This was wonderfully done! Thank you!

[@ONpopularTopics]

Thank you, I'm a new insurance agent and I am learning from all corners.

[@Drostvideo]

I've never heard of IUL so thx for the info. Vanguard also has some good options for retirement

[@Iisidjenejiirjrkgawdcv9888yyyt]

I am glad you took my attempt to explain a complex aviation theory and made the "dummy" learn! Doug Andrews does a nice but you took the cake and showed me what "hard questions" to ask the people offering me an IUL.

[@WealthProtectionLady]

Cool, thanks!

[@arunkumar9361]

Thank you Sue for explaining it so nicely and patiently.. i learnt new thing today.. never knew this.. thank you so much..

[@monicadhenderson8670]

Thanks for explaining IUL! Great job👏🏼👏🏼👏🏼

[@ricopartis8279]

Found your channel and love it! If anyone is wanting more information please seek this lady, she gives good thorough info!

[@WealthProtectionLady]

Oh thank you!

[@nunypagan8554]

The content of your presentation was great, but in particular, I liked the clarity and the illustrations during the presentation. Thank you.

[@TheWordRevealed106]

Thank you so much for this information. Not sure why we don't learn this in school. I'm going to stop contributing to my 401 k asap and switch over. It is 2022 things have to change

[@charissalawal]

Incredible! Saving this to share with clients as needed.

[@marilyn8700]

This is the simplest explanation I've heard of how an IUL works. Thank you greatly!! I finally feel like I understand it.

[@ghostoferlock]

Please keep in mind, that there are other insurance policies.

[@vrautpus]

I love how your graph shows the $100K of growth as if 100% of the premium goes to the investment... SIN of omission... also folks... she claims that you must keep this funding up for 12 plus years to see the benefit of cash value growth. I believe the average person cancels or cashes in their policies in that 10 -15 year time frame... plus as usual... if you die while this policy is in-force... the insurance company keeps your cash value... only the face amount less policy loans go to your beneficiaries... her illustration at the 8 minute mark is total fabrication because her poor smuck of a client is paying high premiums to keep this policy in-force... and those policy loans at age 65 and moving forward will cannibalize his policy in a compounded rate of reduction... a ticking time bomb...

[@carlaferrier2652]

Thank you for breaking it down. I'm getting ready to write an IUL for a client and will use this method to get the best rate for my client. I'm good with the lower commission. So glad I came across your video.

[@WealthProtectionLady]

Yay!!! Good for you! You are doing the right thing, Carla!

[@brucekaiwi3839]

@@WealthProtectionLady How do I find someone like Carla in my area that is willing to take a lower commission and structure a policy the is best for me?

[@vineethvakeel4392]

Thank you for mentioning why Dave Ramsey says what he says about IUL’s.

[@FuturesMogul]

This should be viewed by everyone, thank you for all your videos!

[@WealthProtectionLady]

You're very welcome!

[@miyahisrael6222]

I'm a agent and this makes sense. I get lots of questions and was not trained on this policy.

[@Allenballen88]

Those are great graph illustrations! Thank you!

[@WealthProtectionLady]

Thank you!

[@JasonBrown033]

I've personally been working with IUL's since the late 90's. Nice job!

[@dolgov84]

Share your experience with us please

[@JasonBrown033]

@@dolgov84 Are you a consumer OR a licensed professional?

[@151074441]

Thank for such a easy to understand video on IUl definitely the best video out there THANK YOU!

[@KarlaCastro-tk8mc]

Great video! I finally think I understand IULs!

[@AVONLoriYanuck]

16:38 I am so grateful for this video. It was explained with great examples! A video I needed 20 years ago!

[@willygt98]

Great relieve to know that there is people that teaches well and give hope to the working families ! Thx !!

[@tangelajones8029]

Thanks....Great job explaining!!!!

[@Richardson_Mg]

I respect the transparency

[@yuvicelanepomuceno1329]

Thank you for this video. Great job on explaining IUL's .

[@WealthProtectionLady]

Glad it was helpful!

[@snp1576]

One of the best and yet simplest video on IUL. You have covered everything one would want to and should know about an IUL product with such an ease. Greta job. I have always liked IUL but I am even more confident about recommending IUL to my clients after watching this video. Thank you so much.

[@WealthProtectionLady]

Glad it was helpful!

[@kse1112]

I came here to say the same thing! I’m excited and more confident about sharing this with my clients now because of this video 😊

[@oliviaedralin1436]

I was introduced to this several years ago and was not interested and didn’t understood much,,,, put it aside it ,,, someone reached out to me and I decided to give it a go and joined got insured since I have nothing close to this product. I don’t understand the rest of the process but I’m glad I ran into your channel,.,

[@yuraymart97]

awesome video ! simple and clear explanations on how it works and answering many questions the masses have !

[@MrOJohn]

Best I've seen by far, great and easy to understand content.

[@JAVIERv1964]

Good morning thank you so much for sharing. I am a agent myself you made it easy understanding about the Iul I . Thank you.

[@WealthProtectionLady]

Glad it was helpful!

[@YouREnoughTV]

Simple, concise, clear, and easily understandable. Thank you.

[@edgardzaldua6237]

This was great, thank you so much. I just submitted an application.

[@WealthProtectionLady]

Great!

[@ghostoferlock]

Very nicely done video, I enjoyed the presentation, and how easily understandable you explained IUL's. You asked what line people would like to invest in, and I would be in the S&P. Looking at the climbs and falls, there is opportunity in those times. IUL line graph is a bit more level, but, it is also partially based on the S&P. It looses some of it's upward momentum because there are a few times where markets didn't show return, so upward options seem to have been useless. Many people don't like the idea of markets loosing money, but, it is in those opportunities that money is made. At the end of your graph, The IUL policy made about half of what the S&P did, for a few years. Looking straight at the numbers, IUL policy posted a higher number. The S&P is more financial power behind it's volatility.

[@ghostoferlock]

@@harrymichellerobinson2011 people don't look at the math

[@mickleTpickle]

So you’re saying to simply invest more during the downturns and you’ll come out ahead using the S & P?

[@ghostoferlock]

@@mickleTpickle that is what previous math has shown, wether it continues is another story. It's not as easy as you say about buying more.

[@tamwilfred]

The chart she presents seems fake. If you just look at a chart like VOO you don't see drastic dips like she presented. Life insurance products aren't bought but sold. Investing in good companies is like being part owner of companies. Good companies will continue to distribute profits back to shareholders in either price appreciation or dividends. Having a diversified portfolio will minimize risk. Speculation is assuming price will go up not based on fundamental analysis. If you invest in strong companies with good financials, free cash flow, price/earnings-to-growth ratio, and price-to-book ratio then you could make a prediction that the price will increase. The historical average yearly return of the S&P 500 is 10.05% over the last 20 years, as of the end of April 2023. This assumes dividends are reinvested. Adjusted for inflation, the 20-year average stock market return (including dividends) is 7.335%. Your profit will be taxed at the long-term capital gain rate, which is either 0%, 15% or 20%, depending on your income. Compared to recent returns of 2021 28.71%, 2020 18.40%, or 2019 31.49%, IUL has a lower return rate. Life insurance companies know this and that's how they can suggest safe returns because they give you a lower average and keep the difference. They just want to scare people that investing is scary and you can lose money. If you are unsure and need a plan then talk to a financial advisor instead of life insurance agent.

[@tamwilfred]

@@mickleTpickle There's a stragey called dollar cost averaging. You can't really time the tops or the bottoms but if you invest consistently then you will improved returns. There's a saying, it's time in the market not timing the market. In addition if you set up your investments on DRIP,dividend reinvestment plan, you automatically invest when prices are cheaper or higher but in the end it averages out.

[@thehitchhikinggosts]

Oh my, thank you 👏 👏 thank you! Finally, someone is giving a full detailed explanation!

[@WealthProtectionLady]

You're welcome!

[@thomasgonzales2403]

⁠Would I contact Kai-Zen to set this up. Can you help?

[@deedeemichele8037]

Thank you,for sharing this video!❤

[@susanthai3156]

Thank you so much to knowledge me. I will email you my IUL that was in forced 6 year ago to review. Hope you can give me a better advise how to go on in the future.

[@danielchung123]

Appreciate this clear, and concise info!

[@WealthProtectionLady]

Glad it was helpful!

[@TeenaHughesOnline]

Good tips Sue

[@SuhaieGonzalez]

Thank you so much. Believe it or not your videos are saving people's lives. Very much appreciated. Clear, precise and straight to the point :)

[@WealthProtectionLady]

Thank you Suhaie!

[@ajayupponi]

Very well explIned

[@Simplicityispeace]

This video was very informative. Thank you 😊. My thoughts are why would an insurance company structure the policy to benefit the customer/client rather than themselves. Most companies are about greed and their bottom line which is their profit margin being greater than anything else. We see that today in every facet, companies are deferring all major cost to the customer/client.

[@WealthProtectionLady]

Hi, Orlando! If it didn't benefit the customer, they wouldn't sell it. Life insurance companies make loads of money.

[@seanvincenttt]

Great video!

[@lashondabattle2627]

Very informative. Thank you for sharing.

[@louisnikiforidis366]

fantastic info!!!!

[@gagongflip389]

Thanks a lot! I learn a lot

[@essiaclatinoamerica]

Excellent educational video. Very much appreciate it. I would definitely would like to get a quote done with you one day.Thank you for your help. Will be following!

[@WealthProtectionLady]

Any time!

[@ginaquintanilla1460]

YOU ARE AWSOME!!! Love your explanation. I'm a new agent and so happy I've found you. Did you used to be a teacher?

[@samanthayouk2313]

Thank you, you made it sound easy to understand

[@ghostoferlock]

There are different policies, please look at some before deciding on one.

[@financenoob_]

This was amazing! Great presentation.

[@WealthProtectionLady]

Glad it was helpful!

[@steadyride5961]

Thanks a lot. I will be glad and privileged to get an illustration from you. I will be forwarding this to my prospects. Thanks.

[@SleepyMagii]

Thanks again!! :) you're a god send 💙

[@jbateman6237]

Best video! Good job!

[@alex-sd]

Thanks so much for video! It's great to know that I structured my IUL to give me the most cash, although my increasing death benefit also shows a higher amount at the end compared to the regular structure.

[@alfordandasheacademy8427]

Did you put your down payment more then 20,000 to start at a 500,000.00 policy

[@feliciaomiagbo3976]

This wa awesome, i just got licensed and this simple explanations adequately sums up everything! Thank you for sharing

[@unclechriswithrockwelltv27]

Thank you.

[@TheTerastorm]

great info. thank you!

[@WealthProtectionLady]

Robert, you are welcome!

[@botoxbar5679]

Ty!!

[@23e445]

Very good video

[@kathrynharris3636]

Thank you for the videos they're informative and you give alot of options to fund your retirement. Would you suggest the IUL for someone who's over 50yrs old or who started investing later in life?

[@WealthProtectionLady]

Thank you, Kathryn! It takes about 15 years for an IUL to really start to take off because IUL fees are front loaded for the first 10 years. What I tell my clients who are older (I'm 61) is to consider a flexible premium deferred index annuity that is uncapped and has a 120% participation rate, which means...your account would be credited with 120% of the index gain. One of the biggest differences with an annuity is not getting a tax-free income. If you are interested in seeing an illustration for either the IUL or an annuity, just complete this application and we can go from there. form.typeform.com/to/SNfW1IBA

[@keinyhenao5444]

⁠​⁠​⁠@@WealthProtectionLady your videos are so informative! This question is really for my mom who is retired already and has both a pension and SS, it would be very difficult for me to translate all of this into lol, is there someone you may know or recommend that speaks Spanish to explain about this topic of discussion? I believe she has no kind of life insurance and this worries me. Thanks!!

[@redneckweekly]

This is a great video and explanation!

[@BigNasty.7314]

Great video ,thanks

[@mitchwinstead-licensedinsu6100]

Great video on explaining a IUL.

[@kellieedesilet7826]

Hello, great input. Question, is someone able to move their investments into a IUL and then move them all out? I just see the market not getting any better for several years until we get another person in office.

[@MarcosCaminante]

Great Job explaining! As someone who started in the financial services industry 1996, I really enjoyed the amount of info you covered.

[@geraldredding594]

Thanks for being clear and precise, while getting straight to the point.

[@vrautpus]

I love how your graph shows the $100K of growth as if 100% of the premium goes to the investment... SIN of omission... also folks... she claims that you must keep this funding up for 12 plus years to see the benefit of cash value growth. I believe the average person cancels or cashes in their policies in that 10 -15 year time frame... plus as usual... if you die while this policy is in-force... the insurance company keeps your cash value... only the face amount less policy loans go to your beneficiaries... her illustration at the 8 minute mark is total fabrication because her poor smuck of a client is paying high premiums to keep this policy in-force... and those policy loans at age 65 and moving forward will cannibalize his policy in a compounded rate of reduction... a ticking time bomb...

[@pegclose3082]

thank you for his information

[@rianmcgowan3774]

Super helpful thanks so much!

[@jeremyroberson8676]

One of the most simplest videos on IUL I ever seen. I almost closed my account.. thanks

[@masoniann7065]

Thank you! This helped out a lot I'm a new insurance broker

[@WealthProtectionLady]

Good luck!

[@teklasmom4156]

Thank you

[@watershed1eventsmarketing272]

I am just starting to venture into IULs and I wanted to get some objective viewpoints from agents working more for the client/insured than for their own pocketbooks. I have a senior driven agency where the majority of my products are designed to benefit those in the 50 up market. Your breakdown and explanation was as honest and beneficial as I have seen from an insured’s perspective. I will now be lookin at the potential of getting appointed with Kai-Zen and seeing if their benefit packages will be a good fit for my business plan. Thank you for an absolutely flawless presentation. I will definitely be seeing more of you! Subscribed 😊

[@WealthProtectionLady]

Thank you! That is so kind.

[@HiDefMediaInc]

Wow this video is amazing… I’ve been looking for explanations of IUL. I am now a subscriber to your channel.

[@aprilroy3552]

I like how you break things down in this video.

[@gineenspring855]

Thank you!

[@wallykennedy3805]

The problem with IUL the illustration on the reurns are not what agent think they are and the people who put money into them. Most agents use 6.4% and typically returns are half that and surrender charges are very long

[@WealthProtectionLady]

The 6.4% you refer to is the maximum illustrated rate which varies by carrier and index. Not all IUL's are created equal. An IUL is all about the index, how it performs, what it guarantees and the loan provisions offered. The index I use (the 3-year S&P PRISM index) is the #1 Best Performing Index in the industry with an average annual return since its inception in 2018 of 17.04%. The combined participation rate is 335% and guaranteed at 100%. It is also the lowest cost IUL in the industry. At the end of the day, even a properly structured IUL in an expensive product which could be up to 10 times more expensive than the IUL I offer, will never make money. The problem is that most agents don't want you to know how much it's going to cost you, so they don't attach the charges.

[@rayflores8411]

Thanks great explanation

[@l.nicole5419]

explained very well!

[@yodhangzien]

Yes I see it going up , fee and life policy , I need to call the company to low down my death insurance

[@hectorj.herradamunoz5333]

Exelente the way you explain it, thank you

[@WealthProtectionLady]

You are welcome!

[@cheribarker1870]

Thank you, this was great and I need this.

[@WealthProtectionLady]

You are so welcome!

[@livingbenefitsusa]

Thank you for all your help great videos

[@WealthProtectionLady]

You are very welcome

[@wesupchurch8991]

Phenomenal video 👌🏼

[@jamaicafujita125]

This is a great video! I’ve been seeing a lot of people bashing on IULs and I understand there may be some issues of concern (just like everything there’s a risk) but how can people pass on these types of benefits. I’d rather have my money grow even just the bare minimum instead of sitting in the bank, getting taxed on it while gaining only a few cents every month.

[@aliscahill5656]

Glad I found your video, I just git an IUL policy, But I’m not sure if it’s structured right.

[@WealthProtectionLady]

Hi, Alisca! Email me with your annual premium and your initial death benefirt and I will tell you if it is structured properly. [e-mail]

[@thomasberan7672]

Loved this! The most to the point explanation I’ve found on my research journey thus far. I just turned 30 - would you recommend getting this started?

[@WealthProtectionLady]

Yes. Start saving for retirement as soon as you can. I just set up my kids with IULs and they are 26 and 29. Fill out this application and I can properly structure an IUL for you. application.wealthprotectionlady.com/

[@eddiespaghettie777]

Absolutely not buy term and invest the difference!

[@eddiespaghettie777]

kzbin.info/www/bejne/fZKVenpjj6x1p7c

[@2288dcesmi]

Is there a min amount to start

[@agnesakioyamen2576]

Thank you so much ma’am 🤗

[@WealthProtectionLady]

Most welcome 😊