I am currently a Life Produccer Licensed, I loved to listen to you. In order to help my family and other American people to educate them, my mission is not to get more commissions to help people, especially my family first mission is to help protect and help them for their financial future. The commission nor matter for what the commission is as long as i structured their plan in the properly.
Very interesting topic. I really appreciated learning more. I am going to listen to this video over and over again every day, not getting tired of listening to this very important information. Thank you so much.
Me too. Just for my own benefit. I just got got insured w IUL couple of days ago. I’m 55 yrs old. My agent didn’t explain it as thoroughly as she did! Hoping I will learn more and more
You have this look and personality and voice with the power of convincing! Even if you were lying me me(which i doubt), I have already been sold lol. You are amazing! Keep it up!
Great channel! I’m intrigued by Indexed IUL’s. The 457 is maxed every year, and I’m looking for another place to deploy more disposable income. My main reservations are how companies play with levers such as reducing cap rate over time, changing the par rate, or saying “no cap” but there’s a spread or par rate instead, things like that
The IUL I offer is uncapped and has a combined 335% participation rate that is guaranteed at 100%. Guaranteeing the par rate at 100% is rate. Allianz, which is the biggest name in the IUL space only guarantees their par rates at 5%, so worst-case scenario you might only receive 5% of any gains in the index. With Securian's BGAII, the only way they would reduce the par rates is if the index performed worse than the hurdle rate of 1.71% which is highly unlikely considering the index is rebalanced at the end of every business day. There is also no spread. These are all issues you want to evaluate when purchasing an IUL. If you would like to explore more, please complete the following questionnaire application.wealthprotectionlady.com/
One of my solutions is to retire abroad, which I plan to do in a few months. Thailand is way less expensive to live and just as modern as any city in the US. Yet, I still want to have a guaranteed income each month so i don't deplete my savings. I won't be here so rental properties would be out of the question. I will collect SS but if I can add another 600-700 a month to my income, it would really help. I have about 200K I can invest of savings. Would an Indexed Annuity be the best move?
It depends on how old you are. If you are looking for a tax-free income, I would recommend an IUL, but if you are older than 65, I would probably recommend an indexed annuity.
YOU ROCK! Just found you page researching IUL vs self directed IRA. You are an awesome presenter! Very clear, detailed and professional yet keeping it super simple. Great job. I have a relatively small 401k i need to roll over or distribute due to our company downsizing. What do you recommend?
Thank you, Jacob! You just made my day! I would recommend rolling over your 401k into a deferred index annuity. There would be no tax consequences, but at least it would be safe (0% floor) and my favorite index annuity has a 230% participation rate and is a volatility control index that is rebalanced at the end of every business day, so it performs very well! There are also zero fees! If you are interested in this, please complete this questionnaire and we can find a time to talk. application.wealthprotectionlady.com/
Great info and so simple too. I came to University TH-cam to learn more about IUL. I have a 401K roll over to a self directed fund and I'm looking for options that can grow better.
I see this is 4 year old information - I wondering how this video would change today - I like to watch a variety of videos as depending the subject they tend to lean heavy into the subject matter. I see its all about the right combination of vehicles as time marches on :) Not sure I would ever get rid of market money, just the need to have enough $$$ to live on and let market money ride the waves :) I see there is place for Annuities provided you have the right broker ;)
How can I get in touch with you to talk about setting up an IUL & I can put my IUL in a trust right? Would you recommend the trust owning the policy & then be the trustee or how would you recommend setting that up for the best asset protection for an IUL?
If you complete the questionnaire in the following link, I'll get back to you on setting up a time to talk. Funds in life insurance products are creditor protection , but setting up a life insurance trust would give you an extra layer of protection. application.wealthprotectionlady.com/
Your videos are so well done the way you explain things is clear and to the point. are you agent with any mayor insurance like Massmutual? whats the minimun to open a IUL.Can i have an index annuity and IUL at the same time??
Thank you, Edgar! I am an independent agent and have access to many many life insurance companies. I can't say there is a minimum contribution, but it depends on your age. I have people who contribute $100 a month for their children. You can have an annuity and an IUL at the same time.
When you purchase an IUL, you have the option to add accelerated death benefits for chronic, critical and terminal illness. There is a cost for chronic and critical, but it's not much and is well worth it.
How can the beneficiary collect the death benefit and the leftover cash? Unless it's an increasing death benefit that takes the cash into account? Correct?
While you are on the increasing death benefit option (which is while you are contributing a premium), the beneficiary would receive the death benefit which is the initial death benefit plus the cash value. Once you are on the level death benefit option (once you are no longer contributing), the beneficiary would receive the death benefit plus the surrender value.
Can I get your expert perspective on my portfolio please? I’m afraid I’m investing hundreds with no return and I’m not getting any help from my advisors
Hi, Keyara! You can complete the questionnaire in the link and we can find a time to talk. At the end, make a note that we communicated via TH-cam comment. application.wealthprotectionlady.com/
If an estate exceeds its state's estate tax exemption threshold, you can place the ownership of a life insurance policy in an Irrevocable Life Insurance Trust. The trust would be the owner and the beneficiary, and the death benefit would be paid to the trust and would not be included as part of your taxable estate. Most people don’t need to place their life insurance in a trust because Life Insurance Trusts can be expensive to form and create significant tax and legal ramifications.
If you complete the questionnaire in the following link, we can find a time to talk. At the end of the questionnaire, mention that you communicated with me from my TH-cam channel. application.wealthprotectionlady.com/
Hi, Dorah! I am licensed in Texas -- actually moved from there in the summer to California. Complete the questionnaire and we can find a time to talk: application.wealthprotectionlady.com/
If you are an agent, you always want to structure IULs with the minimum death benefit, start with an increasing death benefit option and move to level starting the first year of no premium.
Hi, Jeremy! That's a difficult question especially when we are in a market correction right now, and I think we are at the beginning of a market crash. When the stock market crashes and you have your 401k investments in stocks,...you are just throwing away your money every time you contribute to it.
You mentioned "Annually Renewable". Does this mean there are medical exams every year to keep this policy, or is there one medical exam at the beginning to get the policy, and the policy is renewed when the premium is paid annually? Can a person have more than one policy? Can a person get policies on their kid(s), grand kid(s), etc.?
With annual renewable term, you would not have to qualify every year -- just once to get the IUL policy. The cost of insurance just goes up every year. You can have more than one policy and you can get policies on your kids but with your grandchildren, you would have to be the beneficiary on those policies.
Hello, Great master class! The 100k+ requirement for the 3:1 match with Kaizen, can it be based on a married couple joint income or is it only based per an individual's income?
Yes. It can be based on household income; however, I don't necessarily recommend it for everyone for two reasons -- the lowest annual premium must be at least $23,500 and you cannot access your money for 15 years.
Thank you for this information. Are IUL good for 40-60 who does not have a lump sum? If so, depending on how much one can afford is it reasonable to get a policy with a monthly payment within the range of $150-$500 for one or two policies for a couple with two children?
Absolutely! No lump sum necessary. If you haven't already, watch my videos Properly Structured IUL, Life Insurance Loans and IUL on Steroids. If you are interested in an IUl, you can then complete this application and we can then set up a time to go over your needs. application.wealthprotectionlady.com/
Great info! I’m 55 & I UL back in 2020 however I couldn’t afford the $435 monthly policy (500k death benefit) after pandemic so I called my agent & he reduced my payment to $296 mo. IUL (flex) ? Currently value is $6600w/$2009 surrender amount. How do I find out how the agent structured the policy? And can I convert/start higher CV & reduce the DB or can you help me. The agent that signed me up is MIA.
The initial death benefit should be around $130,000. You can ask the carrier to lower your initial death benefit, but they will probably only allow you to lower it by 25% per year. You can also switch indexes. If you are in the S&P 500 with a cap, I would ask the carrier what indexes are available. I would choose a volatility control index which is uncapped with a high participation rate. After the surrender period is over, you can do a 1035 exchange into a better IUL if you want.
@@WealthProtectionLady Yes 100% Cap focus S&P500. My choices to reallocate are : POINT-TO-POINT, PARTICIPATION RATE FOCUS, S&P PTP Participation rate focus OR CS BAL TRNDS POINT-TO-POINT (PTP), NO CAP I can change my systematic allocation options (SAO) should I choose SA on New premium payments or SA on renewing index segments OR BOTH? Lastly, what is MEC limit ($86,285.63 through 3/1/24)?? I will call the carriers tomorrow & request DB reduction. If they only allow 25% reduction annually it will take me 4 yrs to get it down to $140k but I will do it! FYI I completed the application too just in case you can be my agent!
Are you open to showing people your IUL . As in how it was structured. I'm an agent and I plan on getting a IUL but I want to see one that has been in effect.
I was declined for an IUL because the word "lupus" is in my medical records; otherwise, I would gladly share it, but I cannot share my clients information. If you are interested in an IUL, watch my video IUL on Steroids and then complete this questionnaire and we can find a time to talk. application.wealthprotectionlady.com/
I am an independent agent and can sell any carrier's IUL I want, but I choose to only sell Securian's Balanced Growth Accumulator II because the index performs better than any other I've seen and guarantees what no other does. Very few agents have access to that index, though, because the designer of the index hand picks their financial professionals in order to protect their reputation
Hi, Susan! Yes. FYI, I am 62. An IUL is a safe place to keep your money and you have access to your money immediately. I recommend you watch my videos "Properly Structured IUL" and "IUL on Steroids." If you are interested, then complete this application and we can schedule a time to talk. application.wealthprotectionlady.com/
I apologize, Neo. My calendar is booked solid for a few weeks now. Because of an unusual influx of interest, I've had a hard time even just keeping my head above water. You should have received a response by now.
I have a state pension plan that is 'frozen' since I left my employer. I am not able to contribute to it (it is with the Florida Retirement System). How do I go about rolling this money over? I see that I can't roll over to an IUL, but can I roll it to a deferred index annuity? Thank you! Love your channel - I'm a new subscriber!
Hi, Deelan! A deferred index annuity is perfect because there are no tax consequences , your money is safe and there are no fees! My favorite index annuity currently has a 230% participation rate, which means however much the index goes up, you are guaranteed 230% of any gain in the index.
I've been researching for the right life insurance policy. I started leaning towards IULs'. Now I'm learning about structured IUL policies. You have been convincing me thru your videos. I want the pleasure to have you has my financial life insurance advisor and want to become your client. How do I apply?
Watch these videos of mine. They should help you understand how they work: IUL for Dummies: th-cam.com/video/SY2WlAiwPK8/w-d-xo.html&ab_channel=WealthProtectionLady Properly Structured IUL: th-cam.com/video/Z_-WwU8uJ0Q/w-d-xo.html&ab_channel=WealthProtectionLady Life Insurance Loans: th-cam.com/video/eLiFSM1yaN8/w-d-xo.html&ab_channel=WealthProtectionLady IUL on Steroids: th-cam.com/video/oZC1gXVS3TM/w-d-xo.html&ab_channel=WealthProtectionLady
Absolutely! Fill out the questionnaire from the following link and I will get back to you. At the end, mention that you contacted me through TH-cam. application.wealthprotectionlady.com/
HI, Eric! A lot of people confuse the premium with the fees. The premium is the amount you contribute to your IUL and what goes into the index to earn interest. People usually have a consistent premium but some people want to ramp up their premium over time because they feel they will be able to afford more in the future.
Thank you for the reply😁. For an IUL can you structure it where there is no cap on your gains? Also I fully understand that an IUL is FEE heavy the first 5-7 years. I have no issue with that. Is it possible to pay those fees upfront? For example I want an IUL structured for max cash value and minimum death benefit. I want my premium to be $1,000 per month. Can initially start the IUL with an initial $40,000 lump sum to cover fees?
You won't necessarily know, but if you want to email me with what your annual premium is and what the initial death benefit is, I will be able to tell. sue@wealthprotectionlady.com
Hi, Hong! I do not recommend an IUL for people who are 60 or older who are looking to retire at 65 because the fees on an IUL are front loaded in the first 10 years; however, if you are looking to retire when you are 75, that's different.
If you have an IUL and grow it to 2 million dollars with a death benefit of $250000 then die prematurely what happens to the 2 million that you invested?
@@WealthProtectionLady cash value is included in the db. Is this not true? Or, are you saying the beneficiary will receive not only the db but also the cash value? Not sure I understand. So if my db is 370k and the cv is 150k are you saying my beneficiary will receive a total of 520k?
The most common loan to take in an IUL is the Index/Participating loan. I'll give you an example of a policy I sell where if you had taken a loan last year, they would have charged you 4.75% for the loan, credited you back 16% so you would have made 11.25% on the money you loaned yourself. Positive arbitrage.
Far fetched to say contracts like IULs are bad because of bad agents when the contract is a mile thick full of variables the insurance company reserves the right to change along the way; not to mention the strong tie to market performance. Do not make the mistake of categorizing IUL as “safe” retirement fund. It’s really unfortunate I was on board until you pulled out IUL, especially without even mentioning the real type of account the wealthy, banks, and corporations actually use despite leading the audience to believe its IUL.
If you have an IUL structured for maximum agent commission, that is a bad IUL and a bad agent! The poor contract owner is then stuck with minimum cash accumulation. You grossly exaggerate variables. The actual crediting rate is subject to some combination of a floor, participation rate and a maximum cap. Typically, one or more of these elements are subject to change, whereas the others are contractually guaranteed. IULs are safe because your gains are locked in and there is a 0% floor so no losses. Not all IULs are created equal just like not all agents are created equal. I work with an uncapped IUL with a 115% par rate, a 185% multiplier and a guaranteed 2% crediting rate. The index is a volatility control index rebalanced daily. SAFE! I have no idea what kind of IUL is JUST for the wealthy, banks and corporations. There is no such IUL. It's all in the structuring and design of each individual IUL and it's owner's preferences.
If you complete the questionnaire from the following link, I will get back to you. At the end of the questionnaire, mention that you contacted me through TH-cam. application.wealthprotectionlady.com/
I am currently a Life Produccer Licensed, I loved to listen to you. In order to help my family and other American people to educate them, my mission is not to get more commissions to help people, especially my family first mission is to help protect and help them for their financial future. The commission nor matter for what the commission is as long as i structured their plan in the properly.
Very interesting topic. I really appreciated learning more. I am going to listen to this video over and over again every day, not getting tired of listening to this very important information. Thank you so much.
Me too. Just for my own benefit. I just got got insured w IUL couple of days ago. I’m 55 yrs old. My agent didn’t explain it as thoroughly as she did! Hoping I will learn more and more
What needs to be clear
Awesome
The fact you gave all of this information out for free 🙏🏼🙏🏼
God bless you and your knowledge, looking to start an IUL or S&P Prism index soon
I just came across your video and have subscribed after 5 minutes into the video. Thank you, and God bless you for sharing your knowledge.
Excellent class. Looking forward to working with you.
You have this look and personality and voice with the power of convincing! Even if you were lying me me(which i doubt), I have already been sold lol. You are amazing! Keep it up!
Wow, thank you!
This is a great content that highlights your fiduciary attributs. Thank you for your wholistic approach to financial litracy training.
Great channel! I’m intrigued by Indexed IUL’s. The 457 is maxed every year, and I’m looking for another place to deploy more disposable income. My main reservations are how companies play with levers such as reducing cap rate over time, changing the par rate, or saying “no cap” but there’s a spread or par rate instead, things like that
The IUL I offer is uncapped and has a combined 335% participation rate that is guaranteed at 100%. Guaranteeing the par rate at 100% is rate. Allianz, which is the biggest name in the IUL space only guarantees their par rates at 5%, so worst-case scenario you might only receive 5% of any gains in the index. With Securian's BGAII, the only way they would reduce the par rates is if the index performed worse than the hurdle rate of 1.71% which is highly unlikely considering the index is rebalanced at the end of every business day. There is also no spread. These are all issues you want to evaluate when purchasing an IUL. If you would like to explore more, please complete the following questionnaire application.wealthprotectionlady.com/
I am recently licensed and I love your channel. Kinda wish I could work with you to do better at helping people around me.
Me too!
How
Thanks so much for all the informations . God bless you.
nice class. watched it 2 times
Thank you so much for this valuable information!
Very thankful to have found this channel. Thank you so much for all of this information!
One of my solutions is to retire abroad, which I plan to do in a few months. Thailand is way less expensive to live and just as modern as any city in the US. Yet, I still want to have a guaranteed income each month so i don't deplete my savings. I won't be here so rental properties would be out of the question. I will collect SS but if I can add another 600-700 a month to my income, it would really help. I have about 200K I can invest of savings. Would an Indexed Annuity be the best move?
It depends on how old you are. If you are looking for a tax-free income, I would recommend an IUL, but if you are older than 65, I would probably recommend an indexed annuity.
I need to schedule an appointment!
Complete this questionnaire and we'll find a time to talk. application.wealthprotectionlady.com/
YOU ROCK! Just found you page researching IUL vs self directed IRA. You are an awesome presenter! Very clear, detailed and professional yet keeping it super simple. Great job. I have a relatively small 401k i need to roll over or distribute due to our company downsizing. What do you recommend?
Thank you, Jacob! You just made my day! I would recommend rolling over your 401k into a deferred index annuity. There would be no tax consequences, but at least it would be safe (0% floor) and my favorite index annuity has a 230% participation rate and is a volatility control index that is rebalanced at the end of every business day, so it performs very well! There are also zero fees! If you are interested in this, please complete this questionnaire and we can find a time to talk. application.wealthprotectionlady.com/
Great info and so simple too. I came to University TH-cam to learn more about IUL. I have a 401K roll over to a self directed fund and I'm looking for options that can grow better.
I see this is 4 year old information - I wondering how this video would change today - I like to watch a variety of videos as depending the subject they tend to lean heavy into the subject matter.
I see its all about the right combination of vehicles as time marches on :)
Not sure I would ever get rid of market money, just the need to have enough $$$ to live on and let market money ride the waves :)
I see there is place for Annuities provided you have the right broker ;)
you are Fantastic !! Your video inspired me to do my videos better. Thank you so much for sharing.
You are so welcome!
Thank you for the information!
Thank you so much! I really appreciate your videos!
great lessons
GoodDay, Thank You,
This was a most excellent course
How can I get in touch with you to talk about setting up an IUL & I can put my IUL in a trust right? Would you recommend the trust owning the policy & then be the trustee or how would you recommend setting that up for the best asset protection for an IUL?
If you complete the questionnaire in the following link, I'll get back to you on setting up a time to talk. Funds in life insurance products are creditor protection , but setting up a life insurance trust would give you an extra layer of protection. application.wealthprotectionlady.com/
I’m interested could you help me apply?
Your videos are so well done the way you explain things is clear and to the point.
are you agent with any mayor insurance like Massmutual? whats the minimun to open a IUL.Can i have an index annuity and IUL at the same time??
Thank you, Edgar! I am an independent agent and have access to many many life insurance companies. I can't say there is a minimum contribution, but it depends on your age. I have people who contribute $100 a month for their children. You can have an annuity and an IUL at the same time.
Thank you!
Hello ! What is your company have a Living Benefits? Is that is one package Life insurance? Please i need to know? Thank You so much. God Bless
When you purchase an IUL, you have the option to add accelerated death benefits for chronic, critical and terminal illness. There is a cost for chronic and critical, but it's not much and is well worth it.
Are you working with Next Level Holdings new annuities? 15% annual growth is pretty tough to look away from.
I am not, but I will check them out. Thanks for the introduction!
I am a newer agent who follows your way of structuring an IUL Are you hiring?
I have one agent who works with me. At this time, I don't foresee needing a second agent.
Do you have any recommendations on VUL or any training ref VUL? Thx
Absolutely not! Variable products do not have a 0% floor so you can lose money.
Great content, thank you!
Thanks so much
you are a gem Maam. thank you so much for this wonderful information.
Eugene, you are welcome!
Can you help me if I live in Australia but am a dual citizen?
Hi, Kath! No, unfortunately, I am only licensed in the U.S.
Please teach ho to recognize when a agent tries to take more commisions?
I wish I could.
How can the beneficiary collect the death benefit and the leftover cash? Unless it's an increasing death benefit that takes the cash into account? Correct?
While you are on the increasing death benefit option (which is while you are contributing a premium), the beneficiary would receive the death benefit which is the initial death benefit plus the cash value. Once you are on the level death benefit option (once you are no longer contributing), the beneficiary would receive the death benefit plus the surrender value.
Can I get your expert perspective on my portfolio please? I’m afraid I’m investing hundreds with no return and I’m not getting any help from my advisors
Hi, Keyara! You can complete the questionnaire in the link and we can find a time to talk. At the end, make a note that we communicated via TH-cam comment. application.wealthprotectionlady.com/
Good Morning, can an IUL be set up inside an Irrevocable trust, with the trust owning the policy?
If an estate exceeds its state's estate tax exemption threshold, you can place the ownership of a life insurance policy in an Irrevocable Life Insurance Trust. The trust would be the owner and the beneficiary, and the death benefit would be paid to the trust and would not be included as part of your taxable estate. Most people don’t need to place their life insurance in a trust because Life Insurance Trusts can be expensive to form and create significant tax and legal ramifications.
@@WealthProtectionLadywow so much info
Hello - I am interested in becoming a client. Can you tell me if you are % or fee based? Thank you!
If you complete the questionnaire in the following link, we can find a time to talk. At the end of the questionnaire, mention that you communicated with me from my TH-cam channel. application.wealthprotectionlady.com/
Can you send the link to fill the application.. thanks 1/06/23
application.wealthprotectionlady.com/
Do you have any recommendations for a financial advisor in Texas, Woodlands area? I am not happy with the one I have now.
Hi, Dorah! I am licensed in Texas -- actually moved from there in the summer to California. Complete the questionnaire and we can find a time to talk: application.wealthprotectionlady.com/
Awesome presentation. I am a big fan.
what resources do you suggest to learn how to properly structure an IUL?
If you are an agent, you always want to structure IULs with the minimum death benefit, start with an increasing death benefit option and move to level starting the first year of no premium.
YOU are appreciated!
I appreciate that!
Hello again. Thank you for what you doing doing. We all need financial education.
Which is better TSP or 401k. Does TSP has a lot fees just like 401k?
I wouldn't recommend any savings vehicle where your money is IN the stock market. Especially right now.
You are amazing! Thank you so much for this!!
Thank you...I wish I could found out about you when my parents was live. Medical debt wiped our family out
2/3 of all bankruptcies are caused by medical debt.
At age 68 with an inheritence of 1 million dollars, how would you recommend I invest it?
Either a fixed indexed annuity or an income annuity.
I'm liking
If a company matches 401k is it worth investigating in if so what percentage for maximum gain
Still wanting to invest in a iul also
Hi, Jeremy! That's a difficult question especially when we are in a market correction right now, and I think we are at the beginning of a market crash. When the stock market crashes and you have your 401k investments in stocks,...you are just throwing away your money every time you contribute to it.
You mentioned "Annually Renewable". Does this mean there are medical exams every year to keep this policy, or is there one medical exam at the beginning to get the policy, and the policy is renewed when the premium is paid annually? Can a person have more than one policy? Can a person get policies on their kid(s), grand kid(s), etc.?
With annual renewable term, you would not have to qualify every year -- just once to get the IUL policy. The cost of insurance just goes up every year. You can have more than one policy and you can get policies on your kids but with your grandchildren, you would have to be the beneficiary on those policies.
Hello, Great master class!
The 100k+ requirement for the 3:1 match with Kaizen, can it be based on a married couple joint income or is it only based per an individual's income?
Yes. It can be based on household income; however, I don't necessarily recommend it for everyone for two reasons -- the lowest annual premium must be at least $23,500 and you cannot access your money for 15 years.
This was awesome!
Thank you for this information. Are IUL good for 40-60 who does not have a lump sum? If so, depending on how much one can afford is it reasonable to get a policy with a monthly payment within the range of $150-$500 for one or two policies for a couple with two children?
Absolutely! No lump sum necessary. If you haven't already, watch my videos Properly Structured IUL, Life Insurance Loans and IUL on Steroids. If you are interested in an IUl, you can then complete this application and we can then set up a time to go over your needs. application.wealthprotectionlady.com/
Great info! I’m 55 & I UL back in 2020 however I couldn’t afford the $435 monthly policy (500k death benefit) after pandemic so I called my agent & he reduced my payment to $296 mo. IUL (flex) ? Currently value is $6600w/$2009 surrender amount. How do I find out how the agent structured the policy? And can I convert/start higher CV & reduce the DB or can you help me. The agent that signed me up is MIA.
The initial death benefit should be around $130,000. You can ask the carrier to lower your initial death benefit, but they will probably only allow you to lower it by 25% per year. You can also switch indexes. If you are in the S&P 500 with a cap, I would ask the carrier what indexes are available. I would choose a volatility control index which is uncapped with a high participation rate. After the surrender period is over, you can do a 1035 exchange into a better IUL if you want.
@@WealthProtectionLadywow
@@WealthProtectionLady Yes 100% Cap focus S&P500. My choices to reallocate are : POINT-TO-POINT, PARTICIPATION RATE FOCUS, S&P PTP Participation rate focus
OR
CS BAL TRNDS POINT-TO-POINT (PTP), NO CAP
I can change my systematic allocation options (SAO) should I choose SA on New premium payments or SA on renewing index segments OR BOTH?
Lastly, what is MEC limit ($86,285.63 through 3/1/24)??
I will call the carriers tomorrow & request DB reduction. If they only allow 25% reduction annually it will take me 4 yrs to get it down to $140k but I will do it!
FYI I completed the application too just in case you can be my agent!
Are you open to showing people your IUL . As in how it was structured. I'm an agent and I plan on getting a IUL but I want to see one that has been in effect.
I was declined for an IUL because the word "lupus" is in my medical records; otherwise, I would gladly share it, but I cannot share my clients information. If you are interested in an IUL, watch my video IUL on Steroids and then complete this questionnaire and we can find a time to talk. application.wealthprotectionlady.com/
Could you help us to start an IUL or direct us to someone trust worthy
Complete the following questionnaire and we can find a time to connect application.wealthprotectionlady.com/
Thank you. Important information.
You're welcome
Hello, thank you for this awesome video. What are the companies that you would recommend for universal life insurance?
I am an independent agent and can sell any carrier's IUL I want, but I choose to only sell Securian's Balanced Growth Accumulator II because the index performs better than any other I've seen and guarantees what no other does. Very few agents have access to that index, though, because the designer of the index hand picks their financial professionals in order to protect their reputation
How do I get in touch with so we can discuss what plan better fits me. ? Thank you
Can you help people that are already retired?
Hi, Susan! Yes. FYI, I am 62. An IUL is a safe place to keep your money and you have access to your money immediately. I recommend you watch my videos "Properly Structured IUL" and "IUL on Steroids." If you are interested, then complete this application and we can schedule a time to talk. application.wealthprotectionlady.com/
Still waiting for my consultation call. Its been 4 days since I submitted application at your portal
I apologize, Neo. My calendar is booked solid for a few weeks now. Because of an unusual influx of interest, I've had a hard time even just keeping my head above water. You should have received a response by now.
Love
Thank you
You're welcome
I have a state pension plan that is 'frozen' since I left my employer. I am not able to contribute to it (it is with the Florida Retirement System). How do I go about rolling this money over? I see that I can't roll over to an IUL, but can I roll it to a deferred index annuity? Thank you! Love your channel - I'm a new subscriber!
Hi, Deelan! A deferred index annuity is perfect because there are no tax consequences , your money is safe and there are no fees! My favorite index annuity currently has a 230% participation rate, which means however much the index goes up, you are guaranteed 230% of any gain in the index.
I've been researching for the right life insurance policy. I started leaning towards IULs'. Now I'm learning about structured IUL policies. You have been convincing me thru your videos. I want the pleasure to have you has my financial life insurance advisor and want to become your client. How do I apply?
Hi, Jack! The best thing to do is to complete this questionnaire and then we can find a time to talk about your needs.
@@WealthProtectionLady . Hello I am very interested in this product. I would like know more, and a starting point.
Hi I'm just getting started on learning all I can't on iul so can you help me with some books are sites to visit
Watch these videos of mine. They should help you understand how they work:
IUL for Dummies: th-cam.com/video/SY2WlAiwPK8/w-d-xo.html&ab_channel=WealthProtectionLady
Properly Structured IUL: th-cam.com/video/Z_-WwU8uJ0Q/w-d-xo.html&ab_channel=WealthProtectionLady
Life Insurance Loans: th-cam.com/video/eLiFSM1yaN8/w-d-xo.html&ab_channel=WealthProtectionLady
IUL on Steroids: th-cam.com/video/oZC1gXVS3TM/w-d-xo.html&ab_channel=WealthProtectionLady
Can l have you help me roll over my 401K from my former employer. Thank you in advance for your assistance
Absolutely! Fill out the questionnaire from the following link and I will get back to you. At the end, mention that you contacted me through TH-cam. application.wealthprotectionlady.com/
How to get hold of you to obtain illustration
Hi, Jenny! My email address is suecunningham@me.com
Wealth Protection Lady, if i purchase an IUL can my monthly premimium go up? If so how much, if I was paying $1,000 monthly as an example?
HI, Eric! A lot of people confuse the premium with the fees. The premium is the amount you contribute to your IUL and what goes into the index to earn interest. People usually have a consistent premium but some people want to ramp up their premium over time because they feel they will be able to afford more in the future.
Thank you for the reply😁. For an IUL can you structure it where there is no cap on your gains? Also I fully understand that an IUL is FEE heavy the first 5-7 years. I have no issue with that. Is it possible to pay those fees upfront? For example I want an IUL structured for max cash value and minimum death benefit. I want my premium to be $1,000 per month. Can initially start the IUL with an initial $40,000 lump sum to cover fees?
What about ROTH IRA. You pay your taxes now. What your thoughts
For me personally, I would go with an IUL because you can never lose anything, but it has to be properly strucured.
More info please.... I need an IUL
You should watch my videos "Properly Structured IUL" and "IUL on Steroids" to learn more.
How do I start
30:30
How do i know when a agent is drawing up a bad IUL?
You won't necessarily know, but if you want to email me with what your annual premium is and what the initial death benefit is, I will be able to tell. sue@wealthprotectionlady.com
29:11 having trouble following how this much money can be obtained.
Imagine if your 401k never experienced a loss and the fees were the lowest they could be.
Is it to late to buy IUL if you’re 59?
Hi, Hong! I do not recommend an IUL for people who are 60 or older who are looking to retire at 65 because the fees on an IUL are front loaded in the first 10 years; however, if you are looking to retire when you are 75, that's different.
Where is the link for the application?
application.wealthprotectionlady.com/
You are awesome
Thank you, Julia!
How do I get the application?
Hi, Victor! Here is a link to the application. I look forward to meeting you .
!form.typeform.com/to/SNfW1IBA
Tiranny of compounding fees
If you have an IUL and grow it to 2 million dollars with a death benefit of $250000 then die prematurely what happens to the 2 million that you invested?
That $2 million and your death benefit would go to your beneficiaries.
Hello I want an appointment with you.
Complete this questionnaire: application.wealthprotectionlady.com/
LOL...super glue
Wait so I have to make 100k per year to participate?
That is just for Kai-Zen which is an IUL but with lender matching. For a regular IUL, there are no income requirements.
With these life insurance policies, when you die, the insurance company pays the death benefit and keeps the cash value balance. Is this true?
Absolutely NOT! Your beneficiary will receive the cash value plus the death benefit.
@@WealthProtectionLady cash value is included in the db. Is this not true? Or, are you saying the beneficiary will receive not only the db but also the cash value? Not sure I understand. So if my db is 370k and the cv is 150k are you saying my beneficiary will receive a total of 520k?
I want to be your client
Hi, Chris! Please complete this questionnaire and we can set up a time to talk. : application.wealthprotectionlady.com/
Can I join your team?
I am an independent agent and work alone. I don't have a team.
This sounds like the old Whole life Insurance scam. Why should you have to pay interest on your own money if you take out a loan?
The most common loan to take in an IUL is the Index/Participating loan. I'll give you an example of a policy I sell where if you had taken a loan last year, they would have charged you 4.75% for the loan, credited you back 16% so you would have made 11.25% on the money you loaned yourself. Positive arbitrage.
what about if the index falls during the loan term
@@chevysaab1 Then you pay the interest for that amount of time. But at the same time, you don't lose your shirt in the down turn
💪👌
Far fetched to say contracts like IULs are bad because of bad agents when the contract is a mile thick full of variables the insurance company reserves the right to change along the way; not to mention the strong tie to market performance. Do not make the mistake of categorizing IUL as “safe” retirement fund. It’s really unfortunate I was on board until you pulled out IUL, especially without even mentioning the real type of account the wealthy, banks, and corporations actually use despite leading the audience to believe its IUL.
If you have an IUL structured for maximum agent commission, that is a bad IUL and a bad agent! The poor contract owner is then stuck with minimum cash accumulation.
You grossly exaggerate variables. The actual crediting rate is subject to some combination of a floor, participation rate and a maximum cap. Typically, one or more of these elements are subject to change, whereas the others are contractually guaranteed. IULs are safe because your gains are locked in and there is a 0% floor so no losses. Not all IULs are created equal just like not all agents are created equal. I work with an uncapped IUL with a 115% par rate, a 185% multiplier and a guaranteed 2% crediting rate. The index is a volatility control index rebalanced daily. SAFE!
I have no idea what kind of IUL is JUST for the wealthy, banks and corporations. There is no such IUL. It's all in the structuring and design of each individual IUL and it's owner's preferences.
🤮🤮🤮🤮
I would like to evaluate my portfolio with you. What should i do? No link. How to contact you?
You can email me at sue@wealthprotectionlady.com
Many thanks. Will contact you soon.
Can I talk to you about annuity and iul please? Can I get your email or phone number?
If you complete the questionnaire from the following link, I will get back to you. At the end of the questionnaire, mention that you contacted me through TH-cam. application.wealthprotectionlady.com/