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The Truth about Indexed Universal Life

Trying to understand the truth about Indexed Universal Life can be a definite challenge. Between misconceptions on the Internet and thousands of companies vying for your investment, it’s almost impossible to get a clear picture of what Indexed Universal Life can really offer you.

Indexed Universal Life is the fastest growing product of the industry. As more investors come to fully understand this product’s outcome, more and more of them are choosing to invest their money in this uniquely designed product.

The tremendous success of this product has resulted in criticism from its competitors. Most of the issues raised are a result of a simple lack of understanding of how the product works. In fact, many life insurance agents even make the mistake of over-generalizing the Universal Life Products, when there are actually thousands of different Universal Life products. Even the Variable Indexed Universal Life and the Indexed Universal Life have substantial differences between the two.

The confusion about Indexed Universal Life has made investors wary of its value. Savvy marketers and competitive salesmen have capitalized on this confusion and have led investors away from experiencing the benefits of this unique product. By taking the time to fully understand Indexed Universal Life, not only will you uncover the truth behind this unique product, but you also be aided in the selection of an advisor who knows how to best design and manage your policy to your highest financial advantage.

Click on the links below to start uncovering the truths behind Indexed Universal Life.

"So financially astute executives own it, banks own it, corporations own it, 

why do the so called experts tell you not to own it?"
David Shafer, Ph.D.

Indexed Universal Life Explained

• What is indexed universal life insurance? - INVESTOPEDIA 
• Understanding Equity-Indexed Universal Life - ADVISOR TODAY 
• Pros and Cons of Indexed Universal Life - WIKI 
• Pros and Cons of Indexed Universal Life - FOX NEWS 
• Answers to the top questions clients and prospects ask 

Advantages of Indexed Universal Life Insurance

• Top Ten Best Reasons to Consider Indexed Universal Life
• Why Indexed Life is a Great Alternative to More Popular Retirement Savings Plans
• 4 Reasons Why Indexed Universal Life Is Ideal for Younger Clients
• Is There Really a Perfect Life Insurance Contract? | Fox Business
• Indexed Universal Life Insurance May Provide Retirement Fund Hedge Against Predicted Market Plunge - CNN iReport

Most Common Concerns 

• Insurance carriers maintain the ability to adjust policy fees 
• Participation rates are not guaranteed and can diminish your return 
• Insurance carriers maintain the ability to change the cap rate 
• Illustrated rates of return are unrealistic 
• Possible bond like returns over time 
• Contract lapse can cause a tax disaster 

Comparing Indexed Universal Life

• Whole Life Insurance vs. Universal Life Insurance
• The Roth 401(k) vs the IUL
• 401k vs. Indexed Universal Life - Income for Life
• Qualified Plans vs. Advanced Indexed Universal Life
• Why It's Time to Retire Your 401(k) – MSNBC
• Is your money safe in the Stock Market?