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Are There Risks of max funded IUL Strategies?
One of the most common inquiries made prior to investing with Max Funded IUL is the negatives. Financial planners commonly mention in the body of risk assessment threads that the Maximum Funded Indexed Universal Life policies can be characterized by a higher initial expense compared to the conventional term life insurance, and credited interest rate is often capped or spread. In case of poor performing market indexes, market indexes credit feature may not result in high growth. Also the aggressive funding should be consistent with the IRS so as to prevent any unintentional tax implications. Always read illustrations of the policy and inquire about the long-term projections. What are some of your concerns regarding indexed life insurance?