When engineering your Double Play strategy, should you choose whole life or indexed universal life? This clear, unbiased guide examines the real mechanics of reserves, crediting methods, and guarantees so you can select the policy that best supports your goals for tax-free retirement income or real estate leverage.
indexed universal life pros and cons
10 posts
Is IUL a good investment? It sure has a lot of negative press, doesn’t it? But is it warranted? Not at all. I’m going to set the record straight in this article. If you are concerned that IUL is a good investment, keep reading. First off, I just want you […]
This article explains IULs by comparing IUL to whole life to show how much they are alike and the key differences. We also debunk IUL myths.
If you are a real estate investor who wants to use a life insurance policy for real estate investing, you need to have a maximum over-funded life insurance policy. When you get an illustration from your life insurance agent, how do you know that the policy has been designed properly? and is a maximum over-funded life insurance policy? Understanding life insurance illustrations isn't easy.
Private banking strategies like The Double Play require a maximum over-funded life insurance policy to get the most benefit. Not every "over-funded" policy is funded right up to the legal Maximum (Minimum non-MEC). The best way to know that your policy design is funded right to the minimum non-MEC threshold is to look at the ratio of the cash value to the premium in the first policy year of your Illustration. If it is not 85-90%, then the policy is likely not designed right.
How often do you hear the recommendation to “Buy Term and Invest the Difference” when the subject of permanent life insurance comes up? Do you accept that statement at face value? Or are you like me and you need to see some proof? The Premise The premise behind “Buy Term […]
Podcast for Patriots - Podcast Interview with Tom Rutkowski discussing Investing in Real Estate Using Life Insurance.
There is a lot of fear-mongering about life insurance on social media. The Whole Life guys are bashing IUL. The IUL guys are bashing Whole Life. Securities guys are bashing life insurance. I don’t know what your motive is in making such a blunt statement without providing any facts to […]
Beware of Whole Life and IUL bias online. Both Whole Life and IUL are safe policies for The Double Play and Life Insurance Retirement Plans.
People save for retirement all their lives. Do you know when you will have enough to retire? Do you know how much income your portfolio will generate? People save with 401(k)s, IRAs, SEP, SIMPLE, pensions, annuities, real estate, and life insurance. But at retirement, it’s time to stop putting in and […]