We Look at What was Sold to You, How it was Sold and Why
Nobody Chooses an IUL. You didn't wake up one day thinking, "you know what would be awesome? A complicated, overpriced insurance policy disguised as a retirement plan!" No, that idea was sold to you-- Wrapped up in slick marketing and fed to you in a poisoned sales pitch. IUL is the scam of the middle class-a financial mousetrap designed to make you feel like you're investing while quietly draining your wealth with hidden fees market caps, and the constant threat of policy collapse. If you don't already have solid investments and maxed out retirement accounts, an IUL is a ticking time bomb. And when it blows? You'll realize you wasted years paying into something that was never built to benefit you-- only the agents and insurance companies selling it. If you have the Unicorn policy, I will tell you. I've been looking for one for years.
DON'T LET THEM GET AWAY WITH IT. Let's break down what you were ACTUALLY sold.
Whole life is sold as a "Be your own Bank" or "Infinite Banking" concept. Sounds cool, right? Except 99% of the time, it's set up badly- or worse, you don't even need it. This insanely expensive product only makes sense in rare cases. Ask yourself: Do you have an estate planning need? Can you rattle off the Federal Estate Tax number without googling? No? Then Congrats - you just ruled yourself out of Whole Life in 99% of cases. The reality? You're wasting money on a product that's not built for you. Term Life + smart investing beats whole life every time, with 4-10X better returns. Let's take a look at what you were sold - because there's a good chance it's not the golden ticket they Promised
In every case, Term Life and Investing in broad base low cost ETF's or mutual funds can produce 4-10x what life insurance would.
Once we review your policies and get the lay of the land, we'll show you all your options - whether that's what investments/accounts are available to you, strategies to consider, or even how to get your hard earned money back from the insurance company if you've been sold a deceptive policy (Spoiler alert: we've yet to break down a policy that wasn't sold deceptively). The sooner you reach out, the better. Because every day you wait? That's just more money left on the table. And we both know, you're not into letting things slide, right?
Look we don't charge a dime to review your policy, break down your options, or even help you get your money back from the insurance company (yeah, that's possible). If you actually need life insurance, we'll get you set up with the right term policy-- no Fluff and No BS. And if you're ready to invest? We'll show you how to do that without lighting your money on fire. Why? Because we're just as fed up with this rigged system as you are. No Fees, no sales gimmicks--just straight talk and a better way forward. It's time to stop getting played.