1st off: THANK YOU for your simple and descriptive video on these. I really got into life insurance to help others get insurance for them to use for investments and loans later, but my agency has me starting in final expense. I'm an independent agent, but i feel restricted within this agency, so I am likely going to leave if they cant help me work toward my goals. It's good for the sake of learning, but id rather just learn what I am wanting to sell so that I can just grow my skills in the area of those goals. 2nd: You look like an older sister to Dana with Final Expense Telesales on youtube! Thanks a ton for this video. I appreciate you!
NO WAY! When you get old you'll wish you never got Universal Life! Whole life is the better option! Look at the contracts of each and then you'll see.. Don't buy the dream, your buying a contract, in the end you end up with a contractual obligation.
I don't recommend Kai-Zen for most people because the lowest premium is around $21,000 but mostly because you do not have access to your money for 15 years because this is how long it takes to pay back the lender. If you want to talk about Kai-Zen or a "regular" IUL, omplete the questionnaire through the following link and we'll get back to you. application.wealthprotectionlady.com/
Not all IULs are created equal. Watch my video on Evaluating IUL Illustrations. An indexed product is ALL about the index -- how it performs, what it guarantees and the loan provisions it offers. I only offer Securian's BGAII with the S&P PRISM index. It is official now that the 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%. It has two participation rates (115% + 320%) and both are guaranteed at 100%. Securian guarantees you 2% interest in the worst-case scenario and offers fixed, and participating indexed and variable loans.
I need one on one access to you for my insurance business. I’m very interested in offering properly structured IULs to high earning clients. Please let me know if you can help. Thanks 🙏🏾
It's very simple. In the design, just enter minimum face and increasing death benefit option while premiums are paid and move to level when no premiums.
Its dishonest to make a video in 2020 and cut the graph of at 2013 to manipulate the data. Data that would complely undermine your selling point, like 100k in 1998 turning into $478k in 2020, and $828k in 2024. Put up a real, honest graph with the IUL performance over those periods. IUL is a real, good product. Please stop cherry picking data to make it seem like IUL will outperform the market long term. That is NOT its purpose . You can sell with integrity and still make a great living. Be honest and forthcoming. Stop misleading your prospective clients. I love permanent life but because of sales tactics like these I have to keep it a secret to avoid being associated with people like this.
It has been a long time since I made that video and at the time, whatever graph I put up was the only one available. I don't manipulate any date and I'm not dishonest. You can watch my video IUL on Steroids which has actual crediting as of August.
Hi, Joseph! I am assuming you got burned by a bad agent who sold you a a policy that was structured for maximum commission for the agent instead of maximum cash accumulation for you. I am sorry. Most policies are sold that way, but I structure them for the lowest commission for myself, the maximum cash accumulation for my clients and the lowest death benefit the IRS will allow. Let me know if I can help you.
1st off: THANK YOU for your simple and descriptive video on these. I really got into life insurance to help others get insurance for them to use for investments and loans later, but my agency has me starting in final expense. I'm an independent agent, but i feel restricted within this agency, so I am likely going to leave if they cant help me work toward my goals.
It's good for the sake of learning, but id rather just learn what I am wanting to sell so that I can just grow my skills in the area of those goals.
2nd: You look like an older sister to Dana with Final Expense Telesales on youtube!
Thanks a ton for this video. I appreciate you!
Im so inexperienced in this stuff. Very insightful.
Clear explanation for new producer. :)
awesome tips!! time to educate myself for my family!
Thank you . crystal clear ☺️☺️!!!
I’m new to your page and I love your channel thanks !
Welcome!!
This was so informative!
Ikr!
Thank you so informative, and clearly explained. 5star rating
Thank you, Ramanan!
Thank You for the awesome tip educate me
You bet!
oh interesting thanks for sharing
Great information keep up the videos they are full of details
More to come!
Love all the tax benefits of universal life insurance, growth opportunity & beneficiary support.
NO WAY! When you get old you'll wish you never got Universal Life! Whole life is the better option! Look at the contracts of each and then you'll see.. Don't buy the dream, your buying a contract, in the end you end up with a contractual obligation.
Whole life is a much better deal, as long as you can pay the premium.
Facts Queen!
wow, never heard about the option to have a lender match 3x premiums for people with 100K + income. how do I get more info on this?
I don't recommend Kai-Zen for most people because the lowest premium is around $21,000 but mostly because you do not have access to your money for 15 years because this is how long it takes to pay back the lender. If you want to talk about Kai-Zen or a "regular" IUL, omplete the questionnaire through the following link and we'll get back to you. application.wealthprotectionlady.com/
I would like more information
Do you know a good Reputable company that can set up IUL
Not all IULs are created equal. Watch my video on Evaluating IUL Illustrations. An indexed product is ALL about the index -- how it performs, what it guarantees and the loan provisions it offers. I only offer Securian's BGAII with the S&P PRISM index. It is official now that the 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%. It has two participation rates (115% + 320%) and both are guaranteed at 100%. Securian guarantees you 2% interest in the worst-case scenario and offers fixed, and participating indexed and variable loans.
Are you still telling people that their beneficiaries will receive the DB and CV upon client's death?
If you have an increasing death benefit option, the beneficiary would receive the initial death benefit plus the cash value.
@@WealthProtectionLady That Plan B option is considerably more than the initial premium. Scam.
I need one on one access to you for my insurance business. I’m very interested in offering properly structured IULs to high earning clients. Please let me know if you can help. Thanks 🙏🏾
It's very simple. In the design, just enter minimum face and increasing death benefit option while premiums are paid and move to level when no premiums.
Wait so In universal life the interest is compounded monthly!?
It depends on the crediting frequency, which is usually annually, every 2 or 3 years.
Is there a way to reach you for a consult?
The best thing to do is to complete this questionnaire and then we can find a time to talk about your needs. application.wealthprotectionlady.com/
Its dishonest to make a video in 2020 and cut the graph of at 2013 to manipulate the data. Data that would complely undermine your selling point, like 100k in 1998 turning into $478k in 2020, and $828k in 2024. Put up a real, honest graph with the IUL performance over those periods.
IUL is a real, good product. Please stop cherry picking data to make it seem like IUL will outperform the market long term. That is NOT its purpose .
You can sell with integrity and still make a great living. Be honest and forthcoming. Stop misleading your prospective clients.
I love permanent life but because of sales tactics like these I have to keep it a secret to avoid being associated with people like this.
It has been a long time since I made that video and at the time, whatever graph I put up was the only one available. I don't manipulate any date and I'm not dishonest. You can watch my video IUL on Steroids which has actual crediting as of August.
NEVER GET UNIVERSAL LIFE!!!!!
Hi, Joseph! I am assuming you got burned by a bad agent who sold you a a policy that was structured for maximum commission for the agent instead of maximum cash accumulation for you. I am sorry. Most policies are sold that way, but I structure them for the lowest commission for myself, the maximum cash accumulation for my clients and the lowest death benefit the IRS will allow. Let me know if I can help you.
@@WealthProtectionLady what is the lowest death benefit IRS allow in IUL
@@WealthProtectionLady how would I know if my IUL is properly structured for max cash accumulation?
Thanks.