July 23, 2026

Episode 464: IUL Scams and Pitfalls Exposed – Backtested Illusions vs. Real Guaranteed Growth

Show Notes

In this episode, we ask:

What has been marketed as a shiny solution?
Why is the agent pushing this hard?
What’s the rub?
What conclusion has Mark come to after seeing clients who have been burned by this?
What are the numbers?
Do you want efficiency?
Do you want control?
Do you want safety?
What is the last thing you need?
Why does indexed universal life insurance (IUL) get sold so aggressively?
Do the floors protect you against all losses?
Is there flexibility?
Can you participate in market gains without market risks?
What happens when markets “don’t cooperate”?
What about double digit returns?
What keeps rising fast?
What amplifies the very risk most people are trying to avoid?
What is a safe play?
What is unnecessarily risky?
Why are there so many IUL lawsuits?
What about Bank on Yourself® type dividend paying whole life insurance policies?
How is an indexed annuity different from an IUL?
What has zero insurance costs?
Do you like the idea of the index?
What is good for you?
How does the structure of indexed universal life work against you?
How about a story?
Is an IUL a better 401(k) alternative?
Are IULs liquid?
What about the Bank on Yourself® philosophy?
What happens as the paid-up additions rider accumulates?
Do you have to beg a bank for your money?
What about a stream of income?
What about liquidity and flexibility?
What about guaranteed income?
Where do I pull money, when I need it today?
How about a couple of examples?
What are the pillars of the Bank on Yourself® philosophy?
What stands up under real world pressure?
Does the properly structured dividend paying whole life insurance policy outperform IUL?
Why does the IUL work against you?
Do you need to talk through an existing IUL contract?
Are you failing forward?
What are the takeaways?
Would you like to meet with Mark or one of Mark’s associates?
Would you like to jump into the FREE Not Your Average Financial Community?