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    Understanding IUL's: Financial Tips From The Experts

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    jhuaman748976
    IUL Understanding

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    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Understanding IUL's: Financial Tips From The Experts

    Uploaded by

    jhuaman748976
    437 views2 pages
    IUL Understanding

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    IUL understanding

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    IUL Understanding

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    437 views2 pages

    Understanding IUL's: Financial Tips From The Experts

    Uploaded by

    jhuaman748976
    IUL Understanding

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    How Do Fees Who Are We?

    FAMILY FIRST LIFE PRESENTS:


    Impact Retirement? Family First Life is a dedicated team of
    professional, licensed agents who work in
    your local community to help you protect
    what matters most – your family. All Family Financial Tips From the Experts
    First Agents are State licensed and represent
    multiple carriers and products, so their loyalty
    is to you the client, and they can remain
    A impartial while finding you the best fit for your
    insurance needs.

    A. 1% Annual Fee: $7,612,256


    B. 2% Annual Fee: $5,743,490
    C. 3% Annual Fee: $4,321,943

    How do fees impact retirement? Over a 20-


    year period – December 31, 1993 through
    December 31, 2013 – the S&P 500 returned an
    average annual return of 9.28%. However, the
    average mutual fund investor made just over
    2.54%, according to Dalbar¹, one of the leading
    industry research firms. That’s nearly an 80%
    difference!
    To add insult to injury, the “all-in” cost of mutual
    funds is on average 3.17% per year, according to
    Forbes². This is when you add the management Understanding
    IUL’s
    fees, the transaction costs, the sales loads, etc.
    Perhaps this number doesn’t sound high to you.
    Consider this: The market was “flat” between
    2000 and 2009, a period known as the lost
    decade. There were lots of ups and downs,
    but nobody made money. If you were paying
    3% annually during this period, your $100,000
    portfolio would have approximately $70,000 (or
    be down 30%) at the end of this “flat” period.³
    1. www.dalbar.com
    2.http://www.forbes.com/2011/04/04/real-cost-mutual-fund-taxes-fees-
    retirement-bernicke.html
    www.fami lyfi r stli fe.com
    3. http://humanelevation.tonyrobbins.com/blog/money/5-costly-investing- www.fa milyfi r stli fe .c om
    © 2018 Safe Money Smart, LLC
    mistakes
    How Does Point to Point Indexing Work?
    Six Reasons
    You Should Have an IUL

    1. If you want to supple-


    ment your retirement with
    tax free income.
    2. If you are concerned
    about taxation in the future.
    3. If you don’t want
    negative returns.
    4. If you have maxed out
    qualified contributions.
    What is Index Universal Life?
    5. If you are a business and • It’s a life insurance policy first - which provides • You can take out policy loans, tax free, before

    are looking to insure key •


    a Tax Free Death Benefit.
    It has fees, just like all insurance products. Ask •
    the age of 591/2.
    You can create income tax free through policy
    employees. for an expense report. loans.
    • Your policy’s cash value grows tax deferred. • It can provide a tax free death benefit that
    avoids probate.
    6. If you want to leave a
    legacy for your loved ones. What Would It Take To Earn Back Your Losses?

    %
    Indexed Universal Life products are not an investment in the
    %
    “market” or in the applicable index and are subject to all policy
    fees and charges normally associated with most universal life %
    insurance. Life insurance policies have terms under which
    the policy may be continued in force or discontinued. Current %
    risk rates and interest rates are not guaranteed. Therefore, the
    planned periodic premium may not be sufficient to carry the %
    contract to maturity. The Index Accounts are subject to caps and
    participation rates. In no case will the interest credited be less %
    than 0 percent. The policy’s death benefit is paid upon the death
    of the insured. The policy does not continue to accumulate cash
    value and excess interest after the insured’s death.

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