Hi, can someone help me and let me know. Where can I find “Side Account” information in my annual statement. Thank you ?

is there a GUl that is flexible pay like 5 or 7 pays? and done paying premium? instead of monthly or annualy? will someone really be covered to the life they choode like 90, 95 or 100 years old. or is it ssfe to pay it annualy? or monthly?

Can u explain about interest sensitive life product

?????????????????????????????????????????????????????????????

Thanks for the simple yet detailed explanation of the UL Policy.

1/2 way right, And 1/2 completely wrong!

Great job bro. .

This is a total scam. He’s right review the policy. Go to the Cash Value or ‘side account’ page and look at the totals for the first 3-5 years. Why does it have $0.00 cash accumulated? Q: Why isn’t their any money in there? A: Because it goes to the agent as commission during those years, every dollar… In short, they are ROBBING you. In the later years the policy implodes in on itself because they pull from the cash value to pay the monthly premiums. Then you’ll get a bill for the interest % on the money they borrowed out of the policy in order to pay those premiums. All in all. its something you do not want to own. It is absolutely terrible & super expensive.

Great explanation! Every detailed yet very simple.

Thanks a lot for detailed explanation. I have few doubts if you can please help me on the same:
1. How its different from Unit Linked product?
2. Universal life has a fixed death benefit and separate cash value? So in d case of death, what is actual amount paid to policyholder
3. Does it also have maturity benefit? Or its alos for whole life?

Good job my agent tried to screw me with this

you did not explain how it works, for instance, exactly how are premiums applied, how is the interest calculated, guaranteed vs non guarantee. this is not a beginners or everything to you need to know.

Very clear explanation. Thanks.

is there a video on Guarantee no lapse Universal Life? I've seen the whole life video, but need to know the differences on the GUL

At 10:03 when you stated you just don't want anyone getting hurt, we need me agents like that.

I have a question, do you think an overfund IUL, in particular, funded to the MEC limit, can it still lapse?

As a senior retired broker I see insurance companies single out older customers with large poliies for extreme rate increases versus making increases on a class basis My other concern is the sale of mature annuities, at a premium, to investment groups who use the annuity value to make a profit at the expense of the annuitant. Policy owners should be given 60 days to transfer to another company when this happens

A+ on explanation I am getting licensed now to sell Insurance Thanks a Ton!