Many financial advisors don’t realize how to properly calculate Internal Rate of Return (IRR) on cash value life insurance. When whole life policies claim to earn 8%, the actual net return—after fees and insurance costs—is often far lower.
I once worked through a case with whole life agents and showed them that, based on projections, their client’s IRR was only 5.9% at age 95—despite expecting 8% growth. That means their clients had to earn 8% just to net under 6%, and it took decades to get there!
A properly structured, max-funded IUL, on the other hand, can earn 11% and net 10%—and much sooner. That’s why IUL outperforms whole life for tax-free growth and income.
If you’re serious about long-term, tax-free growth, claim a FREE copy of The LASER Fund at laserfund.com. I’ll cover the book—you just cover shipping!
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