You've probably heard about NASCAR driver Kyle Busch's lawsuit against Pacific Life over indexed universal life insurance policies that didn't perform as promised. We break down exactly what went wrong and why this case matters for anyone considering IUL insurance.

You'll discover the specific policy design mistakes that led to this multi-million dollar disappointment. We explain how flat extras for high-risk occupations can destroy cash value growth and why the agent's approach violated basic IUL design principles.

We explore the interesting legal angle around fiduciary duty that could set precedents for insurance agents going forward. You'll learn why representing yourself as a wealth advisor might create legal obligations you didn't expect.

You'll understand how commission structures can create conflicts of interest that hurt clients. We show you the math behind proper IUL policy design and explain why this case isn't an indictment of indexed universal life insurance itself.

We also discuss Pacific Life's unique product features and why we've always been cautious about their illustrations. You'll get our perspective on when IUL works well and when it doesn't. _____________________________

Think you might have a problematic life insurance policy or want to explore your options? Contact us for a consultation.