Universal Life Insurance Posts

A Guide to Understanding Indexed Universal Life Insurance (IUL)

Indexed Universal Life Insurance is one of the most complicated life insurance products in the marketplace.

This guide explores the different factors that can have a significant positive or negative impact on a policy’s performance.

Low Interest Rates Causing Permanent Life Insurance (Universal and Whole Life) to Massively Under Perform

Crediting rates and dividend rates on permanent life insurance policies are at all-time lows and will likely continue to decrease.

The impact of these rates can be financially devastating for policy owners of permanent life insurance.

Reviewing your permanent life insurance coverage today can help you tomorrow.

Advanced Planning: Leveraging Sales to a Defective Trust Using Life Insurance

A sale to an Intentionally Defective Grantor Trust (IDGT) in combination with life insurance allows high-net-worth families to accomplish different wealth transfer goals with flexibility.

Learn how these techniques can help families solve wealth transfer, estate, and philanthropic planning goals.

What is a Life Insurance Retirement Plan (LIRP) and How Does it Work?

A Life Insurance Retirement Plan (LIRP) is a tax-efficient way for indviduals to save for retirement by providing income you can enjoy during your lifetime.

It effectively allows you to protect your loved ones while saving for retirement. It can be a good solution for high income earners maximizing qualified plan contributions.

read more