142. IULs as Retirement Plans: Smart Strategy or Sales Trap?

IULs as Retirement Plans: Smart Strategy or Sales Trap? 

Episode Description (Show Notes): 

You've probably seen the pitch: 

"Tax-free retirement!" 

 "Be your own bank!" 

 "Never lose money in the market again!" 

In this episode, we're diving deep into one of the most aggressively marketed financial tools right now — Indexed Universal Life insurance (IUL) — and the growing trend of using it as a retirement plan. 

We break down: 

• What an IUL actually is (in plain English) 

• Why it’s showing up everywhere in your feed 

• The real pros and cons you need to understand 

• When it can be a smart strategy — and when it’s a costly mistake 

• What to look out for before signing anything 

If you're a high earner and someone’s pitched you an IUL as the solution to your retirement, tax planning, or wealth strategy — this episode is your no-fluff guide to making an informed decision. 

Mentioned in This Episode: 

• The risks of relying on IULs for income 

• Why high-income families are being targeted 

• When permanent life insurance might make sense 

• What to consider before saying yes 

We’ll help you understand how Life Insurance fits into the bigger picture — especially when it comes to your retirement, and your actual life. 

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