Internal Rate of Return (IRR) can be tricky to calculate unless you’re putting in a fixed premium for a set period, which makes it easier to compute with a financial calculator. Surprisingly, many insurance agents struggle to explain IRR when asked about the actual return on cash value policies like whole life or universal life.
However, with a properly structured, max-funded Indexed Universal Life (IUL), an agent should confidently show that over 30 years, earning 9% can often mean netting 8%, and earning 11% can often mean netting 10%.
Meanwhile, whole life policies earning 8% often only net 5-6%.
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