Top Highlights

• guidelines.  First, remember that each year the Indexed Universal Life cash values will not be subject to market losses. There will be insurance charges and other potential deductions on the account, but it will never lose money based on market performance. The reason the insurance companies are able to do this is because of their unique financial ...
• An insurance company is required to keep reserves safe and secure so that they will be able to pay potential claims.These reserves are able to be invested in very conservative assets like AAA bonds, low risk real estate, and cash. So if you want to
• partner with the institutions in the United States with the most financial power, they are the insurance companies. No other financial entity has the cash buying power that insurance companies do.
• When you place money inside an I.U.L. the money is not actually in any stock market instrument. The money remains in the general accounts of the insurance company. You are, in effect, partnering with the insurance company on their managed underlying investments. They may own huge office buildings that they lease out. They might issue commercial
• mortgages on other buildings. They also buy corporate and government bonds. They then take out a tiny portion of the general accounts and buy options on the stock market. These options sometimes mature at a profit and those profits are shared with their policyholders who are utilizing an I.U.L. contract. If the options expire and don’t make money, ...