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Did you mention it protects insurability when they turn into adults? Or did I miss it

The government should stop paying the illegal aliens with our social security benefits

Socially security is not going broke its welfare that is like a leech! It sucks the life out of whatever it attaches to!

So do older IUL products let’s say the products that came out 2018 and before that. You are saying the caps on those would rise later than the new policies because of where treasuries were when the product first came out?

Chingon 👍🏼👍🏼👍🏼

Lift The Wealthy Tax Cap completely. The wealthy must pay their Social Security taxes on their FULL INCOME like everyone else. Limit their benefits also. I am forced to pay School Tax even though I have NO children in school!

Ya, M'fer

these are scare tactics, if it is allowed to stop paying out the government will crash. they will keep going because they will never pay back the debt powell has already said that is not going to happen. so don't listen to this crap.

If the government was responsible they would pay back the money that they've raided from Social Security but they're not responsible so that isn't going to happen instead we give 65 billion to Ukraine on top of 95 billion that we gave him a couple years ago

you just answered the problem start charging the rich and all tax shelters and income amounts lol.

Great example on how an IUL can be used to invest in real estate. I don’t understand why you didn’t structured this policy illustration to max value thought… this could easily have an 80-85% of the premium available in year 1 in cash value.

Can you control the investments inside the CRT? If so, what type of investments can you get involved in

Where do I get one of these accounts?

If you have left your job and you no longer want the policy what should you do?

My spouse lied on the application. SINGLE WHEN MARRIED

By blending in the term rider to lower overall cost/fees how are you able to max fund the policies in particular the 3 pay and remain compliant with tax citations TEFRA, DEFRA & TAMRA. I appreciate this illustration especially when it comes to fees as IUL policies get a bad rap. I realize most of that is b/c most agent don’t bother to deeply understand how IUL’s work. They are either product pushing or chasing 🤑. It’s a integrity issue and contributes to an existing problem.

Excellent presentation and very nice to know.

What company you recommend for starting a IUL policy?

Has everyone forgotten that Ronald Reagan was the first one to raid ss?

Coincidentally, I finished watching a video from Waka Flocka Flame about credit and borrowing from a life insurance policy. Now, I'm looking to create a business and seek this as a financial option

What about the illegal people who are getting money?

Matt thank you so much for such an excellent presentation and comparison between 529 Vs IUL

Why not have the government pay back all of the social security money it took from social security to use for other purposes , this could be done by tapping the oil and natural gas on government land, selling it and putting the proceeds of the sale back into the social security fund. Much better than buying oil from the Middle East and letting them make the profit. Make certain that the funds paid into social security, are used only for social security, do no use the money for anything except social security payments to Americans that have paid into social security or disabled Americans citizens. Do not use social security money for for illegals , general fund expenses or any other government expense. Do not allow Congress or the President / Vice President have a pay raise until the social security deficit is solved, in a manner that does not require social security recipients to give up more than they already have given up financially.

I don’t understand the cash value.

Guess all those SS points are quite moot now, as it was reported just this week that most SS numbers and other such info has been HACKED by a group of electronic criminals. Then for good measure they supposedly also threw all that private data onto the dark web, for the use of even more criminals. Hopefully these reports are vastly exaggerated, but these days almost any crazy thing seems possible.

SS is not broke Pay more SS tax and pay less federal tax That will give SS more money The government congress and Senate pay 0 SS tax they have the same retirement benefits as they do now

My children will see a taxed society at higher levels than I’m dealing with. They will see taxes so high that for every dollar earned they will have to spend 30-38% That’s my prediction.

Facts: Money of the SSA fund is handed out to many who paid into and deserve funds. SSA input will be less than amount handed out as ppl living longer and lower birth rates decades ago. Higher demand and less supply. How will govt fix? They will either take more per working person per check or take more from working people long during a year or both. The govt and SSA will probably also penalize ppl who have planned the retirement (ie 401k, stocks, pensions, other investments) meaning saved and will reduce or eliminate altogether one’s SSA payout. Why does the SSA hand out funds to people who do not deserve funds?

They can raise or do away with the salary cap for paying the social security tax. Most Americans will never reach the cap, I know I won't.

BUT... Dave would have said to NEVER buy a crappy goose egg of a Whole Life policy in the first place. What if that couple was young and invested the cash they "wasted" in a whole life policy and had just invested it in an IRA or 401 (k) or even a taxed brokerage account? From age 21 to 76 they would have made far in excess what the annuity pays and they could have used it at ANYTIME in a brokerage account. How much did it cost and when did they purchase that Whole Life policy? I must agree with you though, if someone screws up and buys a crappy Whole Life to begin with following bad advice at least they can convert it to a less crappy Annuity. Simply put, they would still be better off cashing out the whole life and investing the $500K in a brokerage account invested in an ETF like VOO or QQQM and they would have more money to spend over that same time period. They could even take out less sooner and still have more in the long run. So, although I like you explanation, overall Dave is still right here. Whole life was bad and annuity is bad. Now if we add in lack of investing skills, senility, dementia, etc. Then a annuity might make more sense for simplicity if the is no executor or care taker involved. I do like whole life and annuities but they are even more limited in benefits than what you have laid out here. A "Perpetual Trust" may be the ONLY place a whole life policy has any value other than making the insurance agent selling it a massive profit?

I like Primerica ..Superior products 💕🔥🫶🏾

Bonus is candy for the stupid - it comes down to the payout ratio, eveything is shiny things

Audio gaps in the video :(

SS is paid for by your straw man, which each of us have! SS is broken, because feds spent it on their agenda!!

Please review EquiTrust MarketTen Bonus Index Annuity /w a roll-up 8% and 20k bonus (use $250k as the premium)

Great work guys - keep it going

Can you u do a review for f & g pathsetter?

It's a Ponzi scheme. With boomers retiring and decades of declining birth rates since, the collapse of the system is inevitable. A Ponzi scheme can't sustain with declining investors.

IULs are LIFE INSURANCE first, investment second. These policies are typically only suitable as an investment in very rare circumstances. If your net worth exceeds $10 million and you have particular tax or estate planning needs, they might make sense. However, for most people, 401k is a better choice. Source- my bf is a CFP for 20 years.

show the policy with zero years when distribution is on currently. Thats where policy blow up.

I used to sell iul and now I only do whole life. IUL is great but it will never beat the market obviously.. however the guarantees are horrible, and if the policy doesn’t perform as illustrated it does in fact break not in 7 years but in the long term… I run my practice by keeping insurance insurance with the best guarantees aka WL/term. Then keep the investments investments with a brokerage account or wba etc etc. this philosophy earns more than the indexed IUL can and provides the best overall protection with guarantees.

4:50 Policy Charge Page

Does the client needs to file trust return each year?

👏🏾👏🏾🫵🏾 You nailed it‼️ typically structured for max commissions and the average agent doesn’t know what they’re doing.

That annual premium at 83k. Is that meaning that some one took a lump sum of 83k to fund the iul or are they paying around 6k/month to fund it?

So when those banks failed did people receive thier full 250k?

Tysm for this

What would it have looked like just to put that money into an IUL or even MEC it, then split the death benefit between her family and a charitable organization?

It is good information. In your opinion, which is a good North American IUL product

@8:50 Agent has become very rich!!!