This video and workbook series is designed to explain how Indexed Universal Life (IUL) insurance can be used, when structured properly, as part of a broader retirement income strategy.
The goal is to help you understand how IUL works, why it is sometimes used within a Life Insurance Retirement Plan (LIRP) framework, and how it may create tax-advantaged income when designed and funded correctly.
Unlock the power of Indexed Universal Life (IUL) insurance with our dynamic video and workbook series! Discover how, with the right structure, IUL becomes a pivotal piece of your wider retirement income strategy. Grasp the essentials of how IUL operates, its role in a Life Insurance Retirement Plan (LIRP), and the secrets to sculpting tax-advantaged retirement funds when planned and executed with precision.
This lesson explains how life insurance works beyond basic protection. We cover the difference between term and permanent policies, how permanent insurance builds cash value, and why structure and funding matter.
You’ll also learn why some retirement strategies use permanent life insurance, how tax-deferred growth works, and how these fundamentals support Indexed Universal Life (IUL) planning.
This lesson explains how Indexed Universal Life (IUL) works as a type of permanent life insurance and how it differs from other financial growth approaches. It covers how cash value growth is linked to a market index while protecting principal, and why policy structure matters.
You’ll learn how features like floors, caps, and participation rates affect growth, how index crediting works, and how design choices influence efficiency and long-term outcomes.
This lesson explains the tax treatment of Indexed Universal Life (IUL) and why it is sometimes used for long-term income planning. It walks through how cash value can grow tax-deferred, how access through policy loans works, and how death benefits are treated for beneficiaries.
You’ll also learn the key rules that govern these benefits, including how policy design affects tax efficiency, access options, and how to avoid common structural mistakes.
This lesson focuses on risk management in retirement planning and explains how Indexed Universal Life (IUL) is designed to reduce exposure to market volatility. It covers how features like downside protection and locked-in gains affect cash value over time.
You’ll learn why early market losses can have an outsized impact on retirement income, how protected growth works, and how proper funding influences stability, costs, and long-term income reliability.
This lesson compares Indexed Universal Life (IUL) with traditional taxable accounts and explains how differences in taxation, volatility, and ongoing costs affect long-term outcomes. It focuses on how IUL is structured to limit downside exposure while allowing for index-linked growth.
You’ll learn how IUL can be used to reposition existing assets, provide liquidity through policy loans, and create a more predictable, tax-efficient source of long-term income when designed appropriately.
This lesson addresses common misconceptions about Indexed Universal Life (IUL) and explains how the strategy actually works in practice. It walks through frequent misunderstandings around risk, costs, complexity, and flexibility.
You’ll learn which claims are inaccurate, where the real trade-offs exist, and how proper structure and expectations matter more than marketing narratives when evaluating whether IUL belongs in a long-term plan.