Should you invest in Real Estate with IUL?

[@Tnuts0311]

Chris Kirkpatrick is punching air after watching this video. Ive been arguing with him on this exact topic that its POSSIBLE because he says its impossible. You guys explained this so well, covering all the bases 🤝🏼

[@CashValueLifeInsuranceReviews]

Anyone who says one is RIGHT and one is WRONG simply has an agenda....

[@AndongAlaskador]

Can I write off the loan to purchase investment property?

[@iamjalexsanchez]

Wow man the IUL is an incredible real estate investment strategy. As soon as I pay off my truck note I’m going redirect that monthly payment into an 11 year IUL product. Fantastic explanation & break down 👏🏼👏🏼👏🏼 Question: can I roll over my employer 403B retirement account into an IUL & avoid the capital gains tax?

[@tyedutch]

Not seeing an answer here, but unfortunately no you can't rollover a 403b into an IUL (because that is qualified funds and IULs can only be funded with after tax dollars). You can however roll over that 403b into a Fixed Indexed Annuity that can generate an income stream for life for you though!

[@CashValueLifeInsuranceReviews]

True!

[@abnercruz4526]

Do you have to pay the loan back?

[@carlosfelix5856]

Yes and no.

[@johnathanodefey2794]

What company’s offer these options, name some companies i should go through with this game plan.

[@MoneyStrategiesSOULutions]

Tho make sure the agency or agent has an excellent track record, to make sure they structure it correctly. Most don't know how. We audited over 400, and only 11 of them were done right. Otherwise you'll make minimal return, or even worse, lapse etc.. One client lost $100K because of it.

[@dylandahlen1399]

​@MoneyStrategiesSOULutions I'm newer to the industry in whole life and my brokerage will also add IUL so I can sell that in the near future. Do you have any pointers so I can learn how to structure these properly and work with more complex/wealthy clients? I want to learn how to use it for myself as well.

[@Gabosagaz777]

Great example on how an IUL can be used to invest in real estate. I don’t understand why you didn’t structured this policy illustration to max value thought… this could easily have an 80-85% of the premium available in year 1 in cash value.

[@elevate5369]

What company you recommend for starting a IUL policy?

[@CashValueLifeInsuranceReviews]

There are many factors that determine the "best" policy for you - Goals / Age / Risk Level & more. The best bet is to work with a agent/firm that is not captive to 1 or 2 insurance companies and can give you multiple options with pros/cons of each to evaluate. If you don't know anyone who fits that bill - reach out to our team at leveragedwm.com/bookmeeting - we would be happy to help show you options.

[@ANDREWBRYAN-i5c]

If i have 100k Can I convert that into an IUL policy?

[@CashValueLifeInsuranceReviews]

book a meeting with our team, we'd need to know more to advise you on next steps: www.leveragedwm.com/bookmeeting

[@astroman30]

IULs are garbage with their high fees/commissions and capped gains.

[@travisbeyerl]

Lol dude you are everywhere. Get a life

[@MoneyStrategiesSOULutions]

I see you don't understand how to structure them correctly. Ie are there fees when you pay your mortgage vs paying rent. Of course - but still you have a better return, and own your house at the end.

[@astroman30]

@@MoneyStrategiesSOULutions By all means, explain in detail how to structure one “properly.” I bet you don’t answer.

[@astroman30]

@@MoneyStrategiesSOULutions Take this one to heart... Why IULs are garbage (from an actual fiduciary :) 1. Money never enters the market - With an IUL, the money funding the cash value portion of the policy is never actually invested into the market. Instead, the insurer holds your “cash” and pays a return on the annual growth of a specific index. Anyone selling IUL are not required to have a securities lIC. 2. Growth potential is capped - While most policies have a “floor” of 0% which prevents your cash value from dipping below what you put into it, your growth potential is capped, too. For example, if your policy limits growth to 10% on the index and that index out-performs that percentage, you’ll still only receive the value of 10% in your account. The insurer keeps the difference. 3. No dividends - Dividends are completely eliminated in an IUL policy. Not having the chance to reinvest any earned dividends, as you could choose to do with an individual investment, means you could miss out on a great deal of money from dollar-cost averaging over time. 4. Fees, fees and more fees - IUL policies are packed with fees and charges that will eat into any cash value accrued. 5. Rising costs - The internal cost of insurance continues to rise as you age, which can limit the amount of money going toward any potential cash value. All universal life is A.R.T ( annual renewable term) PLUS: Almost all cash value policies have these “features” built in. • You’ll accumulate NOTHING in cash value for the first few years the policy is in force. • The cash value earns a lower rate of return (often just 2%-4%) than the potential return you could achieve if you put your money into a vehicle such as a Roth IRA in the U.S. • If you borrow from the cash value, you’ll pay it back plus interest. • If you die with the policy in force, beneficiaries receive the death benefit (less any outstanding cash value loan balance) while the insurer keeps any accrued cash value. Unless you have the increasing death benefit option (option b) the consumer will pay more for that option. The consumer always gets screwed when investing in these policies. The only winners are the agent and the company. The BS I hear all the time is it has to be "structured properly." I have collected 64 policies in the last year and I haven't I seen one structured properly.