IUL & Cash Value
Indexed universal life, whole life, illustrations, caps and floors, policy loans, the pitch and the pitfalls.
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InsuraCentralStaff·
IUL leads: do they exist, and what an 'IUL lead' actually is
Agents ask every month where to buy IUL leads, and the honest answer starts with what the lead would even be. Nobody wakes up wanting an IUL. A consumer fills out a form for life insurance, for retirement savings, for…
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InsuraCentralStaff·
How to explain an IUL to a 30-year-old who saw it on TikTok
The prospect already 'knows' what an IUL is. They saw a video: put money in, it grows with the market, never loses, take it out tax-free, the rich do it. Your job is to get to the true version without losing them.…
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InsuraCentralStaff·
Allianz Life IUL: index options, bonuses and what to explain about the participation rate
Allianz is a name agents meet in both the IUL and the annuity rooms. On the IUL side it's known for a wide menu of index allocations and for interest bonus features. The product. Indexed universal life with multiple…
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InsuraCentralStaff·
IUL books, YouTube channels and courses agents mention, and how to vet any of them
New agents ask which book or channel to learn IUL from. The list changes; the way to vet a source doesn't. Here's the test agents on the floor apply. Signs of a source worth your time. It shows the guaranteed column and…
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InsuraCentralStaff·
National Life Group (LSW) IUL: the living benefits pitch and how to illustrate it honestly
National Life Group, writing through Life Insurance Company of the Southwest, is the IUL carrier most agents encounter first because of its living benefits riders and its presence in the field-marketing world. Living…
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InsuraCentralStaff·
North American and Midland National IUL: the Sammons companies and their design flexibility
North American Company and Midland National are sister companies, and agents know them for IUL designs with flexible funding options and for annuities. IUL. Multiple index accounts, options for how interest is credited,…
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InsuraCentralStaff·
F&G Annuities & Life: IUL and fixed indexed annuities from the same shelf
F&G shows up in both the IUL and the annuity conversation, and agents who write one often end up writing the other. IUL. Indexed universal life designed for accumulation and death benefit, with index options, caps and…
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InsuraCentralStaff·
Nationwide IUL and term: a household name for clients who ask 'who is this company'
Nationwide's advantage is the one every agent understands: clients have heard of it. That matters most in IUL, where trust in a long-term contract is the sale. IUL. Indexed universal life with accumulation and…
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InsuraCentralStaff·
Overfunding IUL for a 35-year-old: the MEC line and the 7-pay test in plain English
Clients hear "overfund your IUL" on social media and come in asking for it. Overfunding is the right idea and the wrong word. What they mean is: put in as much premium as the tax rules allow relative to the death…
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InsuraCentralStaff·
Whole life versus IUL for a client who says they hate market risk
"I don't want anything tied to the market." That sentence rules out a lot, and agents sometimes hear it as "no IUL" when the client means something narrower. Ask what they're afraid of before you pick a product. If…
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InsuraCentralStaff·
Illustrated rate versus what actually happens: how to show IUL without overselling it
The IUL complaint files all start the same way: the illustration showed one number and the annual statement showed another. Here is how agents who keep clients for twenty years present the product. Run three columns.…
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InsuraCentralStaff·
How to read an IUL illustration without getting burned
An illustration is a math exercise under assumptions. The client thinks it's a forecast. Your job is to know which columns are which. The illustrated rate. The crediting rate the projection assumes every year, forever.…
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InsuraCentralStaff·
Whole life vs IUL for a 35-year-old who wants cash value: the honest comparison
Both build cash value inside a permanent policy. They do it in opposite temperaments. Whole life guarantees the premium, the death benefit and a minimum cash value schedule. Dividends, if the carrier is mutual and pays…
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