The Fit Financial Podcast: Investments, Retirement & Tax Strategies

142. IULs as Retirement Plans: Smart Strategy or Sales Trap?

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IULs as Retirement Plans: Smart Strategy or Sales Trap? 

Episode Description (Show Notes): 

You've probably seen the pitch: 

"Tax-free retirement!" 

 "Be your own bank!" 

 "Never lose money in the market again!" 

In this episode, we're diving deep into one of the most aggressively marketed financial tools right now — Indexed Universal Life insurance (IUL) — and the growing trend of using it as a retirement plan. 

We break down: 

  • What an IUL actually is (in plain English) 
    • Why it’s showing up everywhere in your feed 
      • The real pros and cons you need to understand 
        • When it can be a smart strategy — and when it’s a costly mistake 
          • What to look out for before signing anything 

            • If you're a high earner and someone’s pitched you an IUL as the solution to your retirement, tax planning, or wealth strategy — this episode is your no-fluff guide to making an informed decision. 

            Mentioned in This Episode: 

            • The risks of relying on IULs for income 
              • Why high-income families are being targeted 
                • When permanent life insurance might make sense 
                  • What to consider before saying yes 

                    • We’ll help you understand how Life Insurance fits into the bigger picture — especially when it comes to your retirement, and your actual life. 

                    👉 Book Your Clarity Session Call 

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                    📱 Instagram: @thefitfinancial_ | @fitwealthadvisors 

                     🌐 Website: fitwealthadvisors.com 

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                    The Fit Financial Podcast: Investments, Retirement & Tax StrategiesBy Amanda Hanquist