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Two Big Misconceptions

Let’s tackle two common myths about Indexed Universal Life (IUL): MYTH: The IUL will lapse. Some claim that IUL policies will "crash and burn," or run out of money, as you get older due to rising insurance costs. TRUTH: If structured correctly as a living benefit, your IUL will essentially make you self-insured. As your cash value grows to equal or exceed the original death benefit, the cost of insurance can actually decrease over time. MYTH: "Level is the devil." Some believe you should always avoid the level death benefit option. TRUTH: If you want your costs to go down as you age, you'll want to choose the level death benefit at some point - perhaps even from the beginning of the policy for older clients. This makes the policy more cost-effective. Want to dispel more IUL myths? Get a FREE copy of "The LASER Fund," my book that explains it all. Just contribute a nominal amount toward shipping, and I'll cover the rest! Visit laserfund.com. #shorts #3DimensionalWealth #FoundationalHealth #IntellectualHealth #FinancialHealth