Claims that expenses on IUL increase and bankrupt policies are nothing new.  There's a shred of truth in the rising expenses argument, but it's overblown.

It's the claim that always scared us about UL when we both worked for big mutual companies that hated universal life (of all kinds).  And it wasn't until we sat down and did the math on an actual policy that we both realized the accurate data didn't support the claim.

But IUL is not totally loss-free.  There can be a zero crediting year and expenses must be deducted from the policy.  This means that an IUL policyholder could lose money in this scenario.  The question: how much and is it significant? Listen to the full episode to hear the details from a real policy and determine for yourself if the danger is real or like us, you think it's grossly exaggerated. __________________________ And of course, if you'd like to explore policy options for yourself, click right here to reach out to us directly. We do our best to respond within 24 hours of anyone reaching out.