Why Everyone Needs an IUL | Stephen Davies скачать в хорошем качестве

Why Everyone Needs an IUL | Stephen Davies

This call is a technical deep-dive for agents into the Indexed Universal Life (IUL) product. Stephen breaks down the "why" behind IUL as a core financial tool and provides talking points for client presentations. Core Objectives Understand the mechanics of the "0% Floor" and market caps. Learn how to explain tax-free retirement advantages to clients. Review the use cases for "Living Benefits" (Chronic/Critical illness). Topic Timestamps 0:00 — Introduction: The problem with traditional savings models 4:45 — IUL 101: Understanding Cash Value vs. Death Benefit 10:30 — Managing Risk: Caps, Floors, and Participation Rates 18:15 — The Tax Advantage: Building a "Tax-Free" retirement bucket 25:40 — Living Benefits: Accessing funds for health and critical care 31:10 — Closing the Sale: Common objections and script walkthroughs