Why borrow from an IUL and redeploy the loan proceeds into the same policy? See how Matching Indexed Participating Loan funding changes the modeled retirement math and why the loan cost still matters.
What happens when IUL policy loans stay outstanding for 20 or 30 years? Learn how cash value, loan costs, indexed crediting, policy charges, retirement distributions, and lapse risk can interact over decades.
Should you pay IUL policy-loan interest out of pocket? Learn why the purpose of the loan matters, how JUMP loan charges are modeled, and what carrying loan costs forward can mean for long-term policy performance.
Fixed vs. participating IUL loans can produce very different retirement-income math. Learn how loan costs, crediting treatment, positive and negative arbitrage, and policy-specific provisions affect the comparison.
What happens when your IUL credits 0% while your policy loan costs 5%? See why the 0% floor does not eliminate loan costs, what the 5-point unfavorable relationship really means, and how to stress-test it.
Can IUL policy-loan arbitrage turn negative? Learn what happens when indexed crediting falls below the loan cost, why a 0% floor does not prevent negative arbitrage, and how to stress-test the JUMP Strategy.
What is positive arbitrage with an IUL policy loan? Learn how indexed crediting can exceed the applicable loan cost, why the spread is not guaranteed profit, and how this relationship enters the IUL JUMP Strategy.
When does an IUL policy loan become too large compared with cash value? Learn what to monitor as policy indebtedness grows and why the loan-to-value relationship can matter more than the loan balance alone.
Can high IUL fees destroy a retirement strategy? See how policy charges can interact with weak crediting, growing loans, retirement withdrawals, and longevity to put an IUL under pressure.
What fees are actually inside an IUL? See how cost of insurance, premium charges, administrative expenses, riders, surrender charges, and policy-loan costs can affect cash value and retirement income.