Seven Crucial Components of a Well Designed I.U.L. (Indexed Universal Life)

Is it really possible to enjoy a tax free retirement? The answer is yes - when you utilize the Indexed Universal Life vehicle. The most crucial components to consider when designing an I. U. L. program with your professional advisor include exploring Indexing Options, Cap Rates, Minimum Rates, Living Benefit Riders and the difference between death benefit Option A and B. The most crucial components to consider when designing an I.
U. L. program are more easily framed as questions. Here are the 7 questions an I. U. L. owner needs to consider when creating this contract: 1. How do I get the maximum tax benefits without exceeding IRS guidelines? 2. How do I pick the correct Indexing Option?3. Which Indexes are available and why should I choose one over the other? 4. What are the Cap Rates and how are they calculated?5. What is the Minimum Guaranteed Rate? 6.
Does the policy have Living Benefit Riders automatically built into the plan? 7. What are the differences between death benefit Option A and death benefit Option B?