Understanding the Risks and Rewards of Indexed Universal Life Insurance

Indexed Universal Life has become the default recommendation across much of the permanent life insurance market. The upside story is easy to tell. Caps, participation rates, index credits...clients respond to it.

But IUL is a general account product. The returns the illustration projects depend on levers the carrier controls (caps, par rates, bonuses) that can be adjusted when the carrier needs them adjusted. We saw it during COVID. The structure looks fine until the levers move.

That's not an argument against IUL. It's an argument that before placement, someone needs to be asking who is watching the policy on the buyer's behalf when the carrier decides to move them.

In this month's Tier One video, filmed in Kuala Lumpur, Jay walks through:

👉 Why IUL has earned its place in the toolkit
👉 Where producers consistently overreach with it
👉 When Whole Life is the right answer for trust-owned policies that need long-term certainty
👉 When VUL is the right answer for sophisticated buyers

The carrier sets the levers. The buyer lives with them. The question is who is paying attention in between.

#IUL #life insurance #financial planning #insurance strategy #financial advice