Before buying an IUL for retirement, ask more than “How much income does it show?” These 25 questions can help you understand the policy charges, loans, crediting assumptions, death benefit, lapse risk, underwriting, JUMP mechanics, and what happens when the illustration does not go as planned.
IUL can look powerful on an illustration, but what can actually go wrong? Here are the biggest risks of using indexed universal life for retirement and the stress tests we believe the strategy should survive before you rely on the projected income.
Can you lose money in an IUL even with a 0% floor? Yes, policy value can still decline. Learn how indexed crediting, fees, policy loans, and lapse risk really work.
Is IUL a scam? No, but it can be misunderstood, poorly designed, or aggressively sold. Learn the real risks, costs, loan mechanics, and questions to ask before using IUL for retirement.