Indexed Universal Life Insurance

Ultimate IUL Guide

The Ultimate Guide to Indexed Universal Life Insurance

Transamerica introduced the first Indexed Universal Life (IUL) insurance in the late 1990s, and since then it has grown to be over 50% of all of the Universal Life insurance premium in force and over 20% of the total premium for individual life insurance.  While Indexed Universal Life insurance IUL has become a widely sold.. More

indexed universal life

What is Indexed Universal Life?

A Complete Guide to Indexed Universal Life Insurance First offered in 1997 by Transamerica, Indexed Universal Life Insurance (IUL) has seen tremendous growth over the last 20 years. Today there are around 40 companies that offer indexed universal life insurance and more joining the mix each year. So What is Indexed Universal Life? Compare rates>>>> IUL.. More

life insurance policy replacement

Should You Replace Your Life Insurance Policy?

Should you replace your life insurance policy?   Your current term life insurance policy is running out and premiums are increasing You had a baby You bought a new home and have more debt You are retiring You find a cheaper policy You quit smoking or using tobacco Your health has improved since you purchased.. More

is iul expensive

Debunking the myth that IUL is expensive

“ Life Insurance – The Most Expensive, can be the Best Life Insurance you can Buy!” A great example from Louis Labash on just how expensive IUL really is.  Once you understand what indexed universal life insurance is all about, you will be able to make better choices. Meet Joe, he is Considering buying Life.. More


IUL Insurance Policies – All you need to know

Many of our clients today are looking for ways to use indexed universal life (IUL) as a way to build a tax-free income stream during retirement, save for college, or have cash in hand during an emergency.  So let me dig in and explain some of the advantages and disadvantages of an IUL policy. According.. More

North American

North American Life Insurance Review

North American is a top choice for us.  They are rated A+ by AM Best and have a Comdex Score of 92. Our full review is below. You should consider North American when deciding on what life insurance policy to buy.  A full portfolio to choose from including 10, 15, 20, 25 and 30 year.. More

Suze Orman is wrong about life insurance

Suze Orman is wrong about life insurance

As an insurance professional with over 25 years experience in the industry, I often have to chuckle and grin when I come across pages of advice from so-called financial advisors/TV personalities like Suze Orman.  Suze has a true dislike for whole life and IUL insurance.  We agree that whole life insurance and indexed universal life.. More

what Dave Ramsey says about indexed universal life

Dave Ramsey is wrong about life insurance

For those of you familiar with Dave Ramsey and his opinions about life insurance, you may find it interesting that he’s not licensed to sell life insurance.  It is kind of funny when people ask me if we have The Dave Ramsey Life Insurance plan? Since Ogletree Financial is a life insurance broker life for.. More

indexed universal life or a 529 plan

4 key features of Indexed Universal Life for College Planning

There are many reasons that you may plan for your death, one being the provision of an income for those that you love so that they are able to maintain their standard of life. There are different types of life insurance, although the common goal is this death benefit protection. Many people are surprised to.. More