Why Some IUL Policies Underperform and How to Avoid It
IULs don’t fail randomly. They underperform because of predictable design and management mistakes. Understanding these failure points upfront prevents disappointment later. Underfunding the Policy Minimum-funded IULs often struggle long-term. Rising internal costs, lower cash value accumulation, and reduced flexibility can cause policies to stall or lapse. Better approach:If accumulation is the goal, design funding near […]
The Biggest Mistakes Business Owners Make When Buying Life Insurance
Business owners tend to be pragmatic buyers. You understand risk, cash flow, and long-term planning. Yet life insurance is still one of the most commonly misused tools in business planning. Here are the mistakes we see most often and why they matter. Mistake 1: Treating Business Risk Like Personal Risk Many owners buy personal life […]
