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In this episode, we ask:

• Why do indexed universal life (IUL) policies so often fail?
• How about a high profile example?
• What about a straight-forward, guaranteed approach?
• Why are IUL policies structured to shift massive risk onto you, the policy holder?
• What is the real culprit here?
• What gets more expensive as you age?
• What are the caps and limits?
• What are the rates?
• What are the spreads?
• What clips the upside on these IUL products?
• Why are there optimistic assumptions?
• What happens to the cash value of an IUL policy to keep it in force?
• What did the Gottlieb study say?
• What happens to 95% of IUL policies?
• What will you have left?
• Would you like to hear Episode 371?
• Would you like to hear Episode 36?
• Do you watch NASCAR?
• Have you been pitched an IUL?
• How much premium did the Busch family pour into 5 indexed universal life policies?
• What happened?
• Why do these policies eat themselves alive or ultimately collapse?
• Why does this keep happening?
• What is the problem with the structure?
• Why are the costs so high inside of an IUL?
• What is the index crediting trap?
• What are caps?
• What are spreads?
• What about the upside?
• What is the cost of insurance?
• What is the myth of backtesting?
• What about the lawsuits?
• What happens when reality hits?
• Are these policies designed to lapse?
• Why do certain salesman push this sizzle (without the steak)?
• What actually works?
• How do Bank on Yourself® type dividend paying whole life insurance policies work?
• Can you take non-direct recognition policy loans from an indexed universal life (IUL) policy?
• Would you like to hear a story?
• What’s actually true?
• How does one build a fortress?
• What is the whole point of insurance?
• Does IUL transfer the risk?
• Who can read an IUL illustration?
• What’s wrong with the IUL contracts?
• What is the prudent alternative?
• Are there ever “zero years” in the Bank on Yourself® type dividend paying whole life insurance policies?
• What happens to the cost of insurance?
• What did Ed Slott say about IUL?
• What did Warren Buffett say?
• What are the big lessons?
• What are the core takeaways?
• Have you read Lapsed by Elan Moas?
• Would you like to listen to Episode 381 and Episode 382 with Elan Moas?
• What are the action items?
• Do you or a loved one own one of these IUL policies? What are the options?
• Would you like to meet with Mark or one Mark’s associates?