Jan 9, 2025
3:36:33pm
3:36:33pm
How about comparing an IUL to just buying the index. You can get those same things
Tax Free growth (If you don't sell you're never taxed, just like an IUL)
Tax free distribution (take a margin loan that's even tax deductible, unlike the loan from an IUL)
Liquidity (it's highly liquid)
No contribution limits
Now add on top:
Uncapped Growth
The 10% bump you're not having to pay as commission to the agent who sold it
The high mortality costs you would be paying for the underlying permanent insurance you may not need past age 65 or so
Lower capital gains tax rates if you do sell verses the ordinary income in IULs
Tax free distribution (take a margin loan that's even tax deductible, unlike the loan from an IUL)
Liquidity (it's highly liquid)
No contribution limits
Now add on top:
Uncapped Growth
The 10% bump you're not having to pay as commission to the agent who sold it
The high mortality costs you would be paying for the underlying permanent insurance you may not need past age 65 or so
Lower capital gains tax rates if you do sell verses the ordinary income in IULs
Originally posted on Jan 9, 2025 at 3:36:33pm
Message modified by RdF3 on Jan 9, 2025 at 3:39:36pm
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Jan 9, 3:21pm
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Okay let's talk about facts. Please factually show me an actual real policy verses it's illustration 10+ years into it
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