Is Indexed Universal Life (IUL) really the safe, high-return solution it's marketed to be? In this episode of Policy & Purpose, we unpack a deep critique from Witt Actuarial Services highlighting how IUL illustrations often omit dividends, use unstable non-guaranteed caps, and downplay fees, potentially leading to poorer-than-expected returns—even with a 0% floor

We also compare IULs to whole life policies to reveal where each truly shines—and for whom. Learn how to spot misleading assumptions and understand the real costs hiding behind the sales pitch .

If you’re considering IUL, this episode will equip you with the transparency and insight you need to make an informed decision, backed by educational clarity and professional honesty.

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