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Iul fees charges expense


Defeating the Competition with the facts …

Defeating the Competition with the facts

Beating the inevitable competitors attacks on your IUL

Hopefully, by now you are convinced that IUL's and provide your clients with a superior wealth building wealth transfer opportunity.
But before you start discussing this tremendous product with your clients, it is important to consider that by recommending that a client place in large amount of money into a life insurance policy, you will open yourself up to a certain amount of criticism.

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  • 1. Indexed Universal Life Loads Fees and Charges Common Myths Defeating The Competition
  • 2. IUL is completely transparent – No hidden costs “Let’s Show where every PENNY is going In fees charges and expenses”
  • 3. Why do we have this discussion? Many Agents DO not ever have this discussion 1) It’s very good idea to put all questions to rest 2) Folks are thinking it whether or not they say it 3) Close the back door on the competition 4) Disarm “I Heard not that life insurance is a bad investment” Search the internet: Article after article Whole Life does not have a cost break down
  • 4. It is expensive But much less than any other alternative All other alternatives have greater expenses
  • 5. LA Times ….401(k) plans typically cost about 3% of assets annually to manage,...
  • 6. “20 year Do-It-Yourself Investing” Buy High Sell Low? Reality in one of the best 20 year time frames in the market
  • 7. COI Mortality Net Amt At Risk CSO Table Maybe Discounted
  • 8. Per Thousand For certain Number Of years
  • 9. The Powerful Advantage of Lock and Reset
  • 10. Option “A” or Option “1”