Is Your IUL Designed Correctly — or Is It Costing You Thousands in Lost Cash Value?

Most indexed universal life (IUL) policies were never built for maximum efficiency. Agents often load them with unnecessary costs, poor funding structures, and designs focused on maximizing their commission, not your long-term results.

If you want your IUL to actually grow — safely, predictably, and tax-advantaged — the design matters more than the company, product, or index. This page shows real policy reviews where I break down what went wrong and how proper design can dramatically improve cash value performance.

Send your policy illustration for a free review: [email protected] 
Prefer to talk one-on-one? Schedule a consultation here: Schedule Here

Indexed Universal Life (IUL) Reviews

Most IULs Underperform — Not Because the Product Is Bad, but Because the Design Is Bad.

After reviewing thousands of policies, one pattern never changes:
The majority of IULs are designed incorrectly.

Not because clients make mistakes…
But because many agents either:

• Don’t understand proper IUL engineering, or

• Prioritize higher commissions over your long-term cash value.

When an agent maximizes their commission, they maximize your internal costs, which destroys growth — especially in the first 10–15 years. When a policy is designed correctly, the results are the complete opposite: lower expenses, higher early cash value, safer compounding, and long-term efficiency.

My mission is simple:

Educate you so you can protect yourself from bad policy design.

If you understand how an IUL should be structured, you’ll never be taken advantage of — and you'll know how to get the best performance for your family and your legacy.

If the videos above made you question your current policy, take the next step:

Email your illustration for my full breakdown: [email protected] 
Book a consultation to review your options: Schedule Here

No pressure. No sales pitch.
Just clarity, transparency, and a corrected policy design you can trust.