IUL with an Exit Strategy: A New Approach to Designing IUL Cases
If you are as frustrated as we are about recent trends in cap and participation rates in the Indexed UL segment, it may be time for a fresh approach. Clients dealing with performance degradation based on reduced cap and participation rates are left with mostly bad choices: Try to ride it out, hoping for rates to recover, abandon the strategy by liquidating their policy and dealing with potential surrender charges and a tax hit or execute a 1035 exchange, facing another underwriting process and again possibly dealing with surrender charges. IUL with an exit strategy doesn’t insulate the client from the possibility of future cap and participation rate reductions, but it does offer a graceful way to deal with them: Changing their allocation by completing a simple form. No new underwriting. No surrender charges. No potential taxes. Reach out to LIFE Brokerage to be introduced to this new approach that can “future proof” your next IUL sale.
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The contents of this document should not be considered as tax or legal advice. Any information or guidance provided is solely for educational or informational purposes and should not be relied upon as a substitute for professional advice. It is always recommended to consult with a licensed financial or legal advisor for specific guidance related to your individual situation.
