We are back to continue our review of an article that came out ten years ago with a similar title to our podcast episode. And this is the third in a series where we are going to unpack each of these ten points, these ten reasons, and help you understand the difference between an Indexed Universal Life policy and a Whole Life policy. We want you to hear both sides, so you are well-informed and can make the best decisions for yourself and your family. If you haven’t watched the first two in this series, you can watch those before this one to get caught up!
Today we are focusing on numbers six, five and four. #6 is “Dividends from the index don’t get credited*”, #5 is “Participation ratios are often less than 100%*” and #4 is “Returns are usually capped at various interest rates*.” Listen as we explain what we think these mean and why they seem to be untruthful and inaccurate. We like to make these concepts simple and easy for you to understand. And if you have any questions, we have answers and reports we can share with you or your agent. Just reach out to firstname.lastname@example.org, and we’re happy to share!
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About Charlie Jewett
Charlie Jewett is an author, speaker, recruiter, trainer, consumer advocate and investment advisor from San Diego, CA. As the “Financial Services Whistleblower” Charlie has been trying to change the way that industry professionals and consumers think about retirement since 2005. With considerable years of experience and an array of professional certifications, Charlie focuses on stock market alternatives combined with tax-free retirement income and provides educational materials that help people to create their ideal retirement plan. He is the host of two podcasts, Renovating Retirement and Target Practice for Advisors, as well as the author of “Renovating Retirement” and “Two Ways to Be Debt Free”, both available on Amazon Kindle.
About Bobby Alford
Bobby Alford has walked an unconventional path to becoming the CEO of Renovating Retirement. He spent 10 years in the US Submarine force, both as an officer and enlisted person, earning a degree in nuclear engineering along the way. Bobby then joined corporate America and worked for a Fortune 50 company in operations, finance, and sales management roles. After getting his MBA, he began working with military veterans to improve their retirement options. At that point he found Charlie Jewett and learned how to truly impact a person's financial life using the MERIT model of planning. Bobby joined Charlie and now uses his skills to grow their company toward achieving the goal of creating $1 billion dollars of annual tax-Free money for their clients.