A market decline early in retirement can hurt more when you’re selling investments for income. See how an IUL can change sequence-of-returns exposure, what the 0% floor actually protects, and which policy risks still remain.
Your IUL just had a weak or 0% crediting year. Should you cut retirement income? See what to check before changing distributions and why one bad year does not automatically mean the strategy is failing.
Should you take the same amount from your IUL every year in retirement? See why level income can be simple, but flexible distributions may better reflect policy values, loans, crediting results and changing retirement expenses.
Should you start taking IUL retirement income at 60, 65, or 70? See how waiting can change policy values, annual income, distribution years and long-term durability before choosing an income start date.
What happens if you retire earlier than planned with an IUL? See how losing accumulation years while adding retirement-income years can change the policy math and what should be rerun before you leave work.
What happens to an IUL if you live to age 95? See how decades of retirement income, policy loans, charges and indexed crediting can affect the policy, and what to stress-test before retirement.
Can an IUL provide retirement income for the rest of your life? It can be modeled to provide income through advanced ages, but that is not the same as guaranteed lifetime income. Here’s what the policy math needs to support.
How long can you take retirement income from an IUL? Learn what determines whether projected income lasts 10, 20, 30 years or longer, and how to stress-test the policy before relying on it.
Can an IUL really support retirement distributions of 10% or 12% a year? See what those numbers actually mean, what has to go right, and how to stress-test the income before relying on it.
How much retirement income can an IUL actually produce? Learn what determines the projected income, why cash value alone isn’t enough, and how the IUL JUMP Strategy can change the retirement math.