A properly structured, max-funded Indexed Universal Life (IUL) can accumulate more cash value over time than whole life insurance.
When discussing IRR (Internal Rate of Return) with financial advisors, many whole life agents mistake the gross return with the IRR.
Let’s say a whole life policy earns an 8% gross dividend rate—but that’s not the actual cash-on-cash return after costs.
To calculate IRR, you must factor in the actual cash value achieved after all fees.
With whole life, even if it earns 8%, the net IRR may only be 5-6%.
Meanwhile, let’s say a properly designed IUL earns 11%, it can net 10%, making it a far superior choice for tax-free accumulation and income.
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