Would you like a practical guide to building a resilient business?Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?What was so scary about Frankenstein’s monster?What is Variable Universal Life (VUL)?What is the nightmare twist?What are the risks of VUL policies?Why did VUL policies decline in popularity after the 1990s?How many VUL policies lapse each year?What are the hidden costs inside a VUL policy?What happens when a VUL policy lapses?What is a sub-account in a VUL policy?What is an expense ratio?Why is 2-4% so bad?Why are VUL sub-accounts more expensive than regular ETFs?What about capital gains tax?Why do advisors push VUL policies to high-income earners?What about the 7702 section of the tax code?Is VUL a good tax-advantaged investment?What happened to the S&P in 2002?What happens to VUL policies during a market downturn?What is the net amount at risk?What happens when the markets dip?How does market volatility affect VUL insurance policies?What is a death spiral in VUL insurance?Can VUL costs increase during retirement?What about the total annual fees in a VUL policy?How do VUL fees compare to whole life insurance?What is the total drag on a VUL policy?What is a Bank On Yourself® whole life policy?What are the benefits of whole life insurance vs. VUL?What happened to VUL policies during the .com crash?How did VUL policies perform during the 2008 financial crisis?What about class action lawsuits?What are the risks of borrowing from a VUL policy?What is negative arbitrage?Why do VUL loans often result in poor returns?Why do insurance companies discourage fixed account use in VULs?What are the downsides of VUL fixed accounts?What does the SEC say alerts say about VUL illustrations?Why is a Bank On Yourself® whole life policies far superior?Have you seen The Hunchback of Notre Dame?What is a fixed index annuity (FIA)?What did the 2002 Morning Star report say?Can fixed index annuities replace VUL for retirement planning?Do you own a VUL? Would you like to know how to audit your VUL policy?How about a case study?What should you look for in a VUL in-force illustration?What happens when VUL cash value drops significantly?Can VUL policies collapse due to market losses?Why are VUL loans problematic during market downturns?What are the loan interest rates in VUL policies?Why is VUL unsuitable for retirees?What are the risks of managing a VUL policy with age?What are the benefits of whole life policies for long-term care?Can whole life insurance help with medical expenses?How does a fixed index annuity provide retirement income?What are the top alternatives to VUL policies?Can you transfer a VUL policy to whole life insurance?Why does the SEC say that VUL policies are unsuitable for nearly everyone?What is SWAN money?What are low-risk retirement strategies?What are the takeaways?Who needs to hear about this?
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