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Posts Under indexed universal life Category

Your Life Insurance Agent Lied To You!

Your Life Insurance Agent Lied To You!

Don’t you just hate it when someone, anyone, lies to you for any reason? As the DOW plunges again today I’m sure one of the two biggest financial lies is running through a lot of minds, “It always comes back”. It’s just our opinion that in the whole scheme of things, while that seems to have held true over the history of the stock market, saying that it will always co...
Any Hidden Clues In This Life Insurance Report?

Any Hidden Clues In This Life Insurance Report?

You know there are times when we feel like we’re just going off based on a gut feel, not that we are, but let’s be real. Life insurance companies and life insurance agents making big commissions aren’t necessarily the best avenue for an unbiased opinion on a product. Occasionally though a piece of information will float to the top that sheds light on reality. We received a releas...
Term Life Versus Guaranteed Universal Life! What’s The Difference?

Term Life Versus Guaranteed Universal Life! What’s The Difference?

The quick answer is really nothing other than the length of the guaranteed coverage period. Term life insurance can be guaranteed for as little as 1 year and as many as 30 making it an excellent planning tool for probably 95% or more of all life insurance needs. With younger clients we almost always suggest a 30 year term for the simple reason that, well, when we’re young we really aren̵...
The Money Behind Indexed Universal Life?

The Money Behind Indexed Universal Life?

Where does the money driving the alleged 8% and higher annual gains in indexed universal life policies come from? The life insurance agents that sell the product as a no risk way to have life insurance and retire have several crediting methods at their disposal but most often pointed to is some form of point to point method using the S&P 500. Though we’ve never actually had someone provi...
Do You Feel A Little Nervous Around Indexed Universal Life?

Do You Feel A Little Nervous Around Indexed Universal Life?

At Risk Life we have been following the IUL growing pains and the moaning and groaning of clients who aren’t seeing the proof in the putting. In the financial adviser realm there is a saying, “Never use life insurance as an investment and never use an investment as life insurance.” Indexed Universal Life flies in the face of that advice with agents today reminding us of agents in...
Indexed Universal Life Needs To Visit Mythbusters!

Indexed Universal Life Needs To Visit Mythbusters!

We follow the blog of a competitor who has called out agents that sell indexed universal life policies because they are selling the policies as retirement and investment instruments and openly claiming that yields of 8%-10% are very likely. At Risk Life we agree that it is absurd and unseemly for life insurance agents to go around claiming investment results that clearly can’t happen on a consis...