Not Your Average Financial Podcast™

Episode 370: Whole Life Drops the Mic! IUL’s Epic Rap Battle Fail with Chris Gray and Marvin Bulas

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In this episode, we ask:

  • Would you like to hear the epic rap battle of insurance policies?
  • Would you like to experience this lyrical throw down of the ages?
  • Has Mark finally lost it?!
  • Did whole life’s guaranteed cash value reign supreme or did IUL’s (indexed universal life insurance) market-linked potential steal the show?
  • Who is Chris Gray?
  • Who is Marvin Bulas?
  • What’s this rap battle about?
  • Is whole life insurance steady as a rock?
  • Is whole life “the king of finance”?
  • What about guarantees?
  • What about dividends?
  • What about the indexes in IUL policies?
  • What about the IUL illustrations vs. IUL reality?
  • What about fixed indexed annuities?
  • What is just junk?
  • What happens to IULs in the later years?
  • What about the overpromising on this product?
  • What about the IUL lawsuits?
  • What about the new regulations?
  • What is a straight-line projection?
  • Is whole life inflexible?
  • What about the flexibility that riders bring?
  • Have you seen an IUL illustration?!
  • What about the IUL fine print?
  • What about the cost of IUL being cheaper in the early years of the policy?
  • What happens to IULs with age?
  • What about liar, liar, pants on fire?
  • What about the wake up call?
  • Are you safe from loss with an IUL?
  • Why do the IULs go south?
  • What about fees?
  • What about the cost of insurance increasing in an IUL?
  • Can you draw an income later in life?
  • Do the guarantees eat your cash in an IUL?
  • What about the zero-floor guarantee?
  • What about the time-locked surrender charges on an IUL?
  • What about loans in an IUL?
  • What about non-direct recognition loans?
  • What about increasing costs?
  • Did that other advisor tell you…?
  • What about tax and modified endowment contracts?
  • What if you have a material change in an IUL?
  • What about policy lapse?
  • Which life insurance policy is going to come through?
  • Why is there so much sizzle with IUL?
  • Why is the predictability of IUL performance like a monkey throwing darts?
  • Why are there so many pages of fine print on the IUL contract?
  • Would you like to reach out to Chris or Marvin?
  • What are the options for IUL holders?
  • What is possible?
    • Chris Gray, [email protected],
    https://www.grossmancollegefunding.com/
    Marvin Bulas, [email protected],
    https://www.bankonyourself.com/become-a-professional
    ...more
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