Not Your Average Financial Podcast™

Episode 371: Why 90% of IUL Policies Will Fail

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In this episode, we ask:

  • Is life 100% chaotic?
  • Are we totally at the whims of the universe?
  • What happens anytime we make a plan?
  • What about expectations and assumptions?
  • What happens when time runs out?
  • What about the booklet, The Box by Guy Baker?
  • What are the four pricing factors?
  • What about mortality cost?
  • What about persistency?
  • What about interest rates?
  • What about expenses?
  • What is life expectancy?
  • What did Guy Baker discover?
  • How much does it take?
  • …Who could afford that?
  • What is adverse selection?
  • What happened in the early 1800s?
  • What does an actuary do?
  • Will it pay the mortality expenses?
  • What are the various configurations of each “box”?
  • What is life insurance dependent upon?
  • Why are term premiums so low early on (in age)?
  • Would you like to hear Episode 365?
  • What will almost never pay a death benefit?
  • Who has the highest persistency rate?
  • What about interest credits?
  • What is the math game?
  • What if interest rates rise or drop?
  • What is the job of your insurance agent?
  • Why are indexed universal life policies (IUL policies) so sensitive to risk?
  • How is whole life insurance different?
  • How many people who own IUL policies are receiving letters for more premium?
  • What’s the long game here?

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