A real IUL statement—opened in 2012 and reviewed in 2025—shows how cash value grew, while annual fees totaled about $381. We break down allocations (9.5% cap, 8.9%, and a 0% year), explain wash vs. indexed loans (with ~$60k out), and show why COI stays manageable in the 70s thanks to net amount at risk. Learn how to read your own statement and why in-force projections matter.
00:00:32 – Looking at an Annual Statement
00:01:45 – Policy Fees and Expenses
00:02:46 – Policy Loans
00:06:17 – Interest Earnings and Account Performance
00:07:15 – Understanding the Death Benefit
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What To Watch Next
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How a Max Funded IUL Can Earn Tax-Free Returns that are Safer & Higher than Banks Offer
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