Our Analysis:
Top Indexed Universal Life Insurance Products
Our favorite IUL product has recently been upgraded, putting it at the top of the market.
Our first impressions of this product were very exciting as we believed it to be by far the best IUL on the market today, which prompted us to conduct an analysis to determine the Top 10 IUL Products on the Market.
To come to a conclusion, we found it important to keep this in mind: "What are the key-features of cash value life insurance that clients want to utilize for their financial portfolio?"
With that said, this analysis focuses on what’s most important about an IUL, i.e., how much cash can be accumulated and how much can be borrowed from the policy, tax-free, in retirement.
So, we have ranked the products on our list based on which products illustrate the most borrowing.
The following products were illustrated assuming:
- The client is a 45-year-old male
- Preferred rating
- $25,000 annual premium for 20 years
- The client is taking income from ages 66 to 100
- A minumum death benefit
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