The Surprising Truth: Why Whole Life Outshines IUL for YOU

[@LIFE180]

Set up a call with LIFE180: LIFE180.com/clarity-call

[@Seccheus]

His first statement about the the risk shirking also happens with the IUL once you grow cash vlaue and switch from plan B to A and reduce the corridor...etc

[@LIFE180]

That will reduce the risk....not eliminate the risk. Plus, once you start taking loans for income when you switch from B to A, you will inject an entirely new set of risk.

[@Seccheus]

@@LIFE180 not with a LIBR!

[@LIFE180]

@@Seccheus we have had this Convo.....LIBR is a great marketing tool.....that's it. It's only worth what the CV is when you turn it on. So if it underperforms before retirement, so will LIBR. Show me 1 success story of people using LIBR? I was there when they created it....I have yet to see 1 success story. You just are trying to figure this out and speculate like you have it figured out. That's the reality. You seek confirmation bias ...that's it....

[@Seccheus]

@@LIFE180 I have figured it out. 1. The LIBR is only 15 years old. 2. You have to be age 60 to start the LIBR. 3. You have to wait 10 years after you increase the FV to use the LIBR. 4. You have to have all loans paid back before you can use the LIBR. 5. The LIBR increases to 7% at age 65. 6. You have to have had the policy for 10 years to use the LIBR. Live long enough and you will see the success stories.

[@Seccheus]

@@LIFE180 I have figured it out! 1. The LIBR is only 15 years old. 2. You have to have had the policy for 10 years. 3. You have to be age 60 to age 80. 4. You have to have all loans paid back. 5. You have to wait 10 years after you increase the FV. 6. The LIBR increases to 7% at age 65. Etc. Live long enough and you will see the LIBR success stories.

[@roadrunner8790]

is a lower face amount ex $500,000 with increasing value a better way to grow cash value vs starting with a level $1,000,000 policy?

[@LIFE180]

Sounds like you're talking about an IUL and not whole life. If so, the answer is, neither are good. Do a properly designed whole life policy. LIFE180.com/clarity-call if you want to speak with someone to learn more

[@josephschultz6750]

how about VUL

[@LIFE180]

No. A huge history of underperforming. Plus, with equities over valued right now, VUL has more risk than ever. That's just my opinion. I put VUL on the same platform as many other investments.... Not saying don't do it....just saying I wouldn't personally...

[@josephschultz6750]

@@LIFE180 fair. It’s higher risk than straight equity investing due to the longer lockup period. And really it’s only a good idea for high income investors looking for tax protection after maxing out all the other tax advantages account options.

[@nanayork1]

I want to see the debate

[@LIFE180]

Me too. I haven't found an IUL agent willing to step up yet

[@myfathershouseinternationa6312]

May I recommend you adjust your lighting. The hanging light in really outdated. Closer camera shots on speaker, head and shoulders.

[@LIFE180]

I was in Devin's studio....I don't do the setup there

[@johngatlin9961]

I love this channel but I also watch once in a while an IUL IUL is superior by better wealth he usually says whole life is better even this lawyer says he out performs whole life convincing but a load ya know thanx guys

[@LIFE180]

There is ZERO chance BetterWealth says IUL is better. I would be my life on that. And Roccy isn't really a practicing lawyer...he runs an IUL IMO... Caleb is setting up a debate between me and Roccy. Hopefully Roccy will step up to the plate...

[@johngatlin9961]

@@LIFE180 if your talking about the lawyer on his video IUL is superior then I would pay money in Vegas to see that thanx Jay

[@gautamraj2440]

5:20

[@Seccheus]

I have figured it out!

[@Seccheus]

The LIBR increases to 7% at age 65 You have to be age 60 to 80. Policy enforced for 10 years. All loans paid back. Etc

[@LIFE180]

@@Seccheus Right....so the life insurance company is going to give a better guaranteed return with LIBR than they are giving in their annuities? We have talked about this. There is always a catch....yet you want to act like you are smarter than the actuaries. It's kind of funny to me

[@Seccheus]

@@LIFE180 Weak response....LOL. Your response is weak and funny. What catch are you talking about. I mentioned the LIBR qualifications and now you are saying it is too good to be true. That is your excuse!!!????

[@Seccheus]

You spoke without knowing what you were talking about and now you have to back track to a weak excuse.

[@Kentuckybrothershooting]

An IUL in its bare minimum , it’s a whole life policy that grows cash value more aggressive

[@LIFE180]

That's one of the most inaccurate statements I have ever heard. If you are selling IUL like that, I hope you lose your license

[@The442nd]

@@LIFE180 WOW!!!!

[@austonkowarsky4985]

If your truly going to act like you know what your talking about when it comes to IUL, you have to debate Dough Andrew who has been doing this for 50 years. No one who trashes IUL ever will bring him up or what he says up

[@LIFE180]

funny you say that...I have done nothing but challenge him. He ghosts me. Do yourself a favor a Google "Doug Andrew lawsuit"

[@The442nd]

So there's ZERO upside to IUL's. No example of fantastic outcome?

[@LIFE180]

I have yet to see even ONE long term (10+ year) example of an IUL giving "upside potential" - and I am offering $10,000 to someone who can show it to me.... If it is that hard to find a success case, that says a lot.

[@TeresaDiLorenzo-s3g]

So you make it like it’s so simple to just go out there without risk and earn better than 5% and beat the insurance company not to mention you want to talk about the cost of insurance well as your cash value increases the cost of insurance goes down, so really it’s just a matter of opinion And if you reached that goal, if you don’t get enough growth, your client is going to get slammed with either higher premiums or forced to pay premiums to keep that life policy alive. Otherwise they’re gonna get slammed with back income taxes not to mention IRS rule 101 a 72 Tafra and Tamara, you don’t discuss any of those regulations that impact the policies have to be structured and funded so just amazes me

[@LIFE180]

I have made about 200 videos on IUL if you want to check them out...I have address all of those defenses from IUL agents literally hundreds of times. Check them out.

[@20091likklecute]

All these people talking and no one will ever bring on Doug Andrew to debate the benefits of IULs. Why is that?

[@LIFE180]

Is this a joke? I have invited Doug to debate PUBLICLY and LIVE countless times. I will do it again here. Hey, Doug, when would you like to do a live debate? I am in for it whenever you would like.

[@INFINITI071]

Because he in lawsuits after lawsuits has no time for selling IUL Mr.Doug smh 🤦

[@Bryan-om3wq]

Whenever you’re ready for that debate, I’m here Chris… You say cap rates and par rates have a lever and be pulled down….. yet never talk about when they go up….. caps have come from 8% to 12% in last couple years par rates from 160% to 320%… I thought these options costs were gonna eat into the caps and par rates… you gonna put a timetable on your hypothesis? Cuz so far your fear mongering hasn’t been too accurate has it? This guy talking about an IUL is guaranteed to lapse in the guaranteed column clearly doesn’t understand the product as well he leads on either does he? Bring ONE single illustration that has lapsed that was funded at the guideline premiums in an IUL, and I’ll concede…. I’ll debate anyone… not afraid any of you fear mongering whole lifers.

[@LIFE180]

Haha, I'm getting settled down here in the DR. We will do our debate in the next month or so.

[@saeligutierrez8025]

Excited to see it ..

[@trevormaxwell3703]

As someone who does IUL and WL, it seems like you guys do just as good of a job at misrepresenting both policies as much as those jokers on Tik Tok.

[@LIFE180]

You sit on your box saying they go up....they have gone up marginally....very marginally. Yet, they are still lower than 2020. So the fact they got a tiny bump when interest rates had a huge bump....not very impressive.

[@LIFE180]

Also, I already told you, come on down, let's debate

[@johngatlin9961]

See if you can get better wealth to debate I would pay good money for that the lawyer on his IUL Is superior seems to be a real obnoxious guy let us know he says the same about whole life

[@LIFE180]

The attorney, Rocky, is the one on the Better Wealth channel who said that. Caleb doesn't actually agree.