In today's episode, we discuss a misleading IUL ad we found on Instagram. We break down the numbers to explain why this ad (and IUL in general) is, in our professional opinion, a smoke-and-mirrors game.

Indexed Universal Life (IUL) is often touted as "unbundled whole life insurance" or, worse, just like an investment but with no risk...

Nothing could be further from the truth. IUL is not an investment, and it's not just "unbundled whole life," either.

Tune in to learn all about IUL.

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EPISODE HIGHLIGHTS:

00:17 Misleading IUL Ads: A Real-Life Example

02:01 The Impermanence of IUL Policies

04:20 What Floors, Caps, and Par Rates Do to the Numbers!

08:24 Historical Context and Regulatory Changes

27:37 The Cost of Insurance in IUL Policies

35:17 A Call to Action If You Own an IUL Policy