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Indexed Universal Life Insurance (IUL) – I just want to give everyone selling IUL a heads up. As you know, financial advisors have been trumpeting the IUL “no down side” in a bad market, i.e. no policy losses. However, policy expenses like premium loads, admin fees and (the biggest one of all) cost of insurance are debited from the account cash values. Depending on the policy, these expenses could be at the least 2-3% or more, resulting in a loss. That’s why I like IUL policies that have floor rate guarantees to pay part or all of the annual policy expenses. Remember, the S&P went negative three straight years from 2001-2003, so it’s an issue.

IULs are very popular. If they are designed correctly, they can generate an excellent tax free retirement income stream that will not be included in the provisional income test .


I didn't find the right solution from the internet.
References :
https://insurance-forums.com/community/t…ance-iul.28425/




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