Your IUL Illustration is Too Good to Be True

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Join us as we examine why some IUL illustrations may not be as reliable as they seem and how to identify potential pitfalls.
➡️ Discover the common tricks in IUL illustrations that can lead to hidden costs and misleading outcomes.
➡️ Learn how to read the net outlay column to understand the real costs of an IUL policy.
➡️ Understand why servicing loan interest every year can dramatically alter the long-term value of an IUL policy.
If you have questions about an IUL policy or need guidance, reach out to us for a detailed policy review. We're here to help navigate the complexities of these financial products.

[@rukiddingmeNJ]

I’m am an advisor working for an RIA that places a lot of cash value life to compliment diverse plans I and love your videos.

[@CashValueLifeInsuranceReviews]

That is awesome!

[@TheOpinionSports]

So instead of cash would should that column say in the loan Interest payment column?

[@mitchelfernandez6589]

Can you do a product review on the Corebridge (AIG) QoL Max Accumulator+ III?

[@CashValueLifeInsuranceReviews]

It's in the works!

[@yongpingguo5025]

Do the policy holder expected to pay back the amount showing under loan repayment column? If yes, the policy holder needs to pay almost every year of this policy since there is amount starting year 3 and the policy holder need to pay back thousands of dollars for the policy. If the repayment just to show the number and do not need to be really paid into, could this be a great strategy for using the IUL policy?

[@yongpingguo5025]

8:57 so interesting that you said the client did not know that they are paying the interest every year. But the client do know that he/she is taking out the money as indicated. So is this a self sustaining policy as long as it is not lapsed? Why do you think it is a bad design?

[@CashValueLifeInsuranceReviews]

Almost never would we advise the Interest payments to be paid with cash outside the product. It creates incredible risk within a product that most people explore due to the lower risk nature compared to the Market.

[@RanchLife-NEBRASKA]

Point being, this should never be allowed to happen! Obviously, there is not a policy scrubbing system in place to catch this!
Are these sorts of mistakes every rectified?

[@vikalp77]

Positive outlay is due to loan interest charges...