Indexed Universal Life (EIUL / IUL)

[Grant Moulden]

I started this thread to address this product specifically. As an advisor who has written over a hundred IULs and own two myself, I can lead you to the correct way to structure these and show you what to avoid. 99% of agents aren't doing the best job for the client and this only makes their paycheck fatter. Reality check: when structured for maximum cash accumulation, the agent makes very little off of the purchase. If you are considering this as a place to store cash and have questions, I'm unbias.