IUL Tax Free Retirement Income? Watch this Before you Buy скачать в хорошем качестве

IUL Tax Free Retirement Income? Watch this Before you Buy

The internet is full of bold claims about indexed universal life insurance and its ability to generate massive tax-free retirement income. But how much of it is realistic — and how much is hype? In this video, Brandon cuts through the noise with a straightforward, numbers-driven look at what IUL can genuinely deliver and where inflated projections tend to fall apart. Whether you're deep in your research on IUL or getting close to making a purchase decision, this video gives you the framework to evaluate any proposal you're looking at and know whether the assumptions behind it are reasonable or dangerously optimistic. Here's what's covered: How IUL interest crediting actually works, and why it won't match stock market returns What a realistic interest rate assumption looks like (and why the industry default is often too high) Real policy data from policies issued as far back as 2012 and how they've actually performed How income is generated from an IUL — and why policy loans are central to the strategy The history of inflated indexed loan assumptions and the regulation that cleaned things up A simple rule of thumb for evaluating whether an income projection is realistic Why static back-tested projections don't hold up in real market conditions The genuine tax advantages IUL offers, and the type of buyer it makes the most sense for If you've been shown an IUL illustration with income numbers that seem almost too good, this video will help you figure out whether to believe them — and what to ask your agent before you sign anything. ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ 📖 Read more at The Insurance Pro Blog: https://www.theinsuranceproblog.com 🎙️ Listen to The Insurance Pro Blog Podcast: Search "The Insurance Pro Blog Podcast" on your favorite podcast platform ━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━━ CHAPTERS 0:00 - Is the IUL tax-free retirement pitch realistic? 1:37 - The two things you have to believe: accumulation and income 1:53 - How IUL interest crediting works and index allocation options 3:13 - IUL vs. the stock market: why returns won't be the same 4:34 - The critical question: what's a reasonable interest rate assumption? 6:22 - Real policy performance data and validating the 6% benchmark 7:36 - How cap rates influence what assumption to use 8:17 - Transitioning to the income story 9:07 - How income is generated from an IUL policy 9:27 - Fixed loans vs. indexed loans explained 10:54 - The history of inflated income projections and how regulation changed things 12:52 - The 6% withdrawal rate rule of thumb 13:20 - Why back-tested projections fail under real market conditions 15:18 - Setting appropriate expectations going forward 17:23 - The real tax advantages of IUL — and why they matter 27:31 - Who IUL makes the most sense for and final takeaways