That IUL illustration may show a huge retirement-income number. But what has to happen for the number to work? Here are the red flags to look for before trusting an IUL retirement illustration.
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.
Before using an IUL for retirement, make the illustration uncomfortable. Learn how to stress-test lower indexed crediting, higher loan costs, missed JUMPs, retirement distributions, longevity, and policy durability.
What if you never qualify for another IUL JUMP? Learn what can happen to the matching-loan level already achieved, existing policy loans, future funding, and projected retirement income when the JUMP progression permanently stops.