Are Illustrations a Lie? What do 0% return years do to an IUL?
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 Published On Feb 22, 2024

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In this video, we break down the common misconception that all illustrations are inherently inaccurate. Join us as we explore the intricacies of indexed universal life insurance, revealing how projections may differ from reality and how to interpret them effectively. Make informed financial decisions as we guide you through the complexities of these policies.

Key Points
➡️ Learn why cash value life insurance illustrations, including indexed universal life policies, often present a flat rate of return that may not align with real-world scenarios.

➡️ Dive into a detailed case study featuring a 45-year-old male investing $25,000 annually for ten years, aiming to optimize cash growth efficiently.

➡️ Understand the challenges of achieving a consistent 6% return every year and how it impacts projections, debunking the notion that all illustrations are flawed.

➡️ We conduct a feasibility analysis, exploring the likelihood of obtaining tax-free distributions from age 65 to 85 with a focus on a 20-year income goal.

➡️ Addressing common misconceptions, we clarify why the presence of zeros in certain years does not necessarily undermine the overall effectiveness of the policy.

#CashValueLifeInsurance #FinancialPlanning #InsuranceProjections #WealthBuilding #EducationalFinance

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