EIULEquity Indexed Universal Life (insurance)
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Given the vast array of online resources, many thoughtful and proactive clients are researching the EIUL before incorporating it into a well-balanced, tax-advantaged approach to retirement saving.
To my surprise, I found online assessments of the EIUL to be negative but largely uniform.
The simple answer is that most EIUL products are not very good and that most advisors have no idea they are selling clients inferior products.
However, I will be outlining what designs are the "best" for certain types of clients and will point out how simple it is for you to do your own due diligence to determine if the EIUL policies you are using or considering are any good.
National Life Ultra EIUL * 7.53% 1,937,663 1,537,729
National Life Ultra EIUL $250K/M55/$7,500 violates DEFRA so
The original versions of EIUL insurance have been around for a decade now.
And it won't surprise me at all to see EIUL sales going up.
Indianapolis Life Vista Elite Series II (EIUL) 8.30%
AmerUs Life Advantage Builder (EIUL) Equity Indexed UL; Death Benefit Guar.
Granted, EIUL has been around for about a decade, with a few companies offering it.
The recent EIUL activity is coming in wake of the success EIAs have had in recent years, he said.