Three Rules To Help Make The Promise Of A Successful IUL Come True
February 6, 2023 by Kevin Nuber
If you are in the IUL marketplace, then you hear it all the time—indexed universal life policies will never come true. The criticisms are usually the same. That the illustrations and projections are unrealistic and so unbelievable that they can’t possibly come true. They say caps and participation rates will be reduced and the client will end up unhappy. One can easily argue truth to these statements because an illustration can be manipulated in all sorts of ways to over promise performance. Many years ago, our company founder Bill Zimmerman was tired of hearing these criticisms because he knew from his personal experience that IUL policies would perform. He set out on a mission to prove this to our advisors and their clients, and over the last 15 years, and tens of thousands of IUL policies later, we have found that if an advisor follows three simple rules, then the IUL illustrations should come true.
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