IULSIntegrated Update of Legacy Systems
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Due to the advantages of the MSM, it was extended to HFS [34], IFS [3], 2TLS [35], ULS [36], intuitionistic linguistic set (ILS) [21], IULS [21], and so on.
IULs grow tax-deferred, and are never taxed if taken in the form of policy loans.
Related: The huge, untapped audience for IUL marketing
Recent regulations have addressed "overly optimistic" assumed rates in indexed universal life (IUL) contracts in order to curb "abusive" illustrations.
IUL can provide higher returns for the consumer for taking a moderate amount of additional risk."
On marketing to Gen X: Nothing much different than with other demographics, but I am using IUL a ton to show them how to either work at a traditional company or when they start their own, they won't be tied-down "To The Man."
Myth #2: Flexible caps should have you thinking twice about IULs.
The effectiveness of IULs is impacted by three key factors, which producers must sort through as they strive to meet client needs:
* What It Means: With Treasury's and bank accounts paying next to nothing, IULs are an alternative that provide growth potential with downside protection.
Policyowners of indexed universal life (IUL) enjoy virtually all the advantages they would enjoy if they owned regular universal life policies including (among others associated with all life insurance in general):
FIAs and IULs are great products, and if presented PROPERLY will sell themselves TO THE RIGHT PEOPLE.
"I'm also aware of some super-competitive provisions that will turn the entire UL industry upside down, not just the IUL industry, as far as benefits that will revolutionize the industry," she said.