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How IUL Policy Charges Actually Work

How IUL Policy Charges Actually Work

How IUL Policy Charges Actually WorkDarren Sugiyama

Financial professionals typically use Standard Deviation, Sharpe Ratios, and Monte Carlo simulations for risk. These techniques are certainly important topics of discussion, however they all fail to articulate the most important element of risk.

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The Tax-Free Benefits Of Life Insurance

The Tax-Free Benefits Of Life Insurance

The Tax-Free Benefits Of Life InsuranceDarren Sugiyama

The tax-advantaged treatment of the cash value accumulation inside a life insurance policy is very appealing for those who want a conservative alternative to a taxable stocks and bonds portfolio.

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Are IUL Multiplier Bonuses Too Risky?

Are IUL Multiplier Bonuses Too Risky?

Are IUL Multiplier Bonuses Too Risky?Darren Sugiyama

One of the most controversial design elements in modern-day IULs is the Multiplier Bonus. At the moment, the majority of IUL multiplier propositions allow a client to accept an additional asset-based charge in exchange for a multiplier bonus that enhances the index return.

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How Policy Drawdowns Work

How Policy Drawdowns Work

How Policy Drawdowns WorkDarren Sugiyama

There are three ways to take drawdowns from an IUL, whether it be for supplemental retirement income or to pay off a third-party premium financing lender. You can take Withdrawals, Fixed Policy Loans, or Participating Policy Loans.

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