IUL vs Whole Life Insurance EXPLAINED in 30 Minutes!

[@LIFE180]

Schedule a clarity call with LIFE180 - LIFE180.com/clarity-call Get your free IUL review: RescueMyIUL.com

[@Unicorn-Black]

Chris, very strong.. thanks

[@LIFE180]

Thank you!

[@johnfinn6485]

isn't the IUL balanced / a different rate every year?

[@LIFE180]

Elaborate the question please

[@gobele1]

Why is the wl at 20000 and the IUL at 2000. How is that a fair comparison.

[@LIFE180]

They are simply 2 illustrations. The premium amount isn't really relevant on the IUL. The mechanisms in the policy are what matter most. The fact that the company reduced cap rates 35% and increased spread charges over 100%..... While still selling new policies at higher numbers. It proves it is a game of smoke and mirrors for IUL

[@kingdomworks2176]

This was from 2018. Haven't they changed the rules a couple times on the illustrations and whats allowed?

[@LIFE180]

The original is 2018. And while they have changed some of the regulations about illustrating, they have not changed the rules around what I am showing in this video. Until they do, IUL will be misrepresented and dangerous for clients

[@Gabosagaz777]

The average annual return of the S&P 500, including dividends, from 2018 to 2024 is approximately 11.7%, based on available data for those years. This period includes notable fluctuations, such as a decline of -4.4% in 2018, a strong gain of 31.5% in 2019, a pandemic-affected but positive 18.4% in 2020, and a -18.1% loss in 2022 followed by a rebound of 26.3% in 2023   . While this is slightly above the long-term historical average of around 10%, it demonstrates how individual years can significantly impact the average over a specific timeframe.

[@LIFE180]

What does that have to do with the IUL? The S&P 500 performance (or whatever index) is only a SMALL factor in the performance of the policy long term.

[@willfull1604]

Do you know the difference between an arithmetic mean and a compound mean?

[@Gabosagaz777]

Chris you keep showing IUL illustrations that are not properly structured, a well structured IUL gets even at year 3 or 4. It is not about the company but the structure. I think you should focus on explaining why WL works and it s benefits instead of ALWAYS using bad structure IULs to “make” your case.

[@denko44]

Even a "properly" structured IUL still carries more risk than what you would have with a WL policy. IUL is definitely geared towards benefiting the company. I'm not saying IULs can't work but they're more of a niche product than anything else & most people would be better off with WL.

[@LIFE180]

Really? I tell you what? Email me your best structured IUL with income and I will do a video using that one. Sound fair? As for your opinion of me not talking about IUL, I think I will keep doing it my way. The reality is, people need to know the truth. Prove me wrong and send me your best. My guess is you ghost this message and don't send because you just want to leave a message to make it seem like IUL actually has a chance to do what it says it will. If you do send it, I am very curious to see what company you use.

[@LIFE180]

Also, to say that this is structured poorly is missing the point entirely....lol The fact that this PROOVES that life insurance companies manipulate caps / spreads / par rates, etc... That's the real danger. And it happens almost every time.

[@Gabosagaz777]

Both IUL and WL are cash value life insurance than can do pretty much the same. WL being more hands free less risky product while IUL needs more hands on more volatile but potentially more profitable. There is no wrong or right but a matter risk tolerance on the policy owner side. WL agents needs to focus more on showing why WL is worth instead of just simply trying to bring down the rest of insurance options out there.

[@LIFE180]

@@Gabosagaz777 IUL agents need to have an actual long term success story that does what they say it does BEFORE acting like IUL will perform well long term. Hence why I created the #IULchallenge - where I am offering $10,000.....AND NOBODY HAS WON IT IN 2 YEARS. Please explain that. If the products are sold on upside potential, they should have all outperformed illustrations over the past 10 years in the greatest bull run of all time. But alas, 99% haven't. Please give me your explanation of that?