Welcome to

 Indexed Life Advisors Digest!

 Editor: Brett Anderson
Nationally Reknowned Expert on Indexed Life
and
Author of “Last Chance Retirement”
[ www.lastchanceretirement.biz ]

This is a Member Fee  Subscriber Site!

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15 August 2011

  Hello Brett, You are, sincerely, a virtual treasure trove of invaluable information. I cannot thank you enough for this astute, erudite, insightful information which, quite frankly, dispels apprehensions for me and my clientele.
  Sincerely,
  J. Stonehouse / MA

 

4 January 2012

“I am shocked (this site and www.lastchanceretirement.biz  exists) and very pleased with the devine …. that I found you ….by accident.  This (CV Ranking) Chart is INVALUABLE …You have done YEOMAN SERVICE to the financial people selling IUL … I thank you for it!!”
Nosh D. / AZ

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Indexed Life is “THE” Insurance and Retirement Plan
of Today and the Future that offers SAFETY and the
Potential for Great Returns for your Clients!

Along with TAX FREE Income!

Indexed Life Advisors Digest is the ONE STOP place
for the Advisor who is Serious about understanding
 - how IUL’s work, and learning
- how to compare them Apples-Apples! 

• “20 Year Historical Cash Value Charts“

On IULDigest is Information on ALL 31 Primary
Companies and their Annual Pt.-Pt. IUL Policy’s
AND
the ONLY service that Calculates & Ranks their actual past
20 Year (1992-2011) historical NET performance
[net of all annual policy costs & today's Cap for all years]
for a TRUE APPLES-APPLES* Comparison!

20 Year Analysis SAMPLE: www.iuldigest.com/?page_id=2909

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• Running Gains Report Updated for 2012

    The information in this one chart can more than
    pay for your IUL Digest membership for the year! 

   You can now show your client both the historical track record of the S&P 500 AND “exactly” what they could earn with their IUL over a lifetime!  This chart shows the gross gain for every 5, 10, 20 and 30 year period since 1945 for both the S&P Index and an IUL with an average cap of (only) 16% (co. actuaries think 18% more likely). 

  It ALSO shows the average cumulative Expense Fee (see next ‘report’ under Newsletter and Articles) AND the NET IUL gain for each time period for ages 30, 40 and 50.  Result:  You can “prove” to your clients that the average 20 and 30 year historical gain for the past 67 years when using a “top” IUL is 8.6% to 9% NET! 

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11 Indexed Life Deal Breakers

  Here are 11 Features of Indexed Life policies that if they are missing from an IUL it is an egregious omission and an automatic DEAL BREAKER regardless of how good the rest of the policy may be. If the primary purpose for having an IUL is Retirement Savings and Income the Loan options are the most important after Caps and Expenses. As such, how the money can be taken out of the policy eventually is critical to having it be successful as well as “protecting” the integrity of the policy in a worst case scenario (preventing a Lapse because of loans).

  This report lists the Deal Breakers and also the Companies that have them.

Complete Report (Available to Members) 
www.iuldigest.com/?page_id=3063  

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THIS WEEK’S NEWSLETTER 5-15-12

www.iuldigest.com/?page_id=3085

IUL REPORTS

· Allianz Blended Index – 20% Cap and 115% Participation Rate. This report looks at what the gains really are compared to those with a lower cap and participation rate, along with its high cost due in large part to its asset fee.

Industry News

Do Advisors Need to Videotape Annuity Sales?
  Anyone who grew up in the New York City area as I did watched sportscaster Warner Wolf. His signature phrase was “Let’s go to the videotape!” whenever he introduced a highlight of an amazing layup or a baseball smacked into the stands. As incongruous as this might sound, I thought of that phrase recently when I listened in on a webinar about the aftereffects of the conviction of Glenn Neasham on felony theft for selling an annuity to an 83-year-old client.

  
ARTICLES

1) Retirement: Avoid the IRA tax trap
  You’ve taken advantage of the upfront tax breaks of traditional retirement savings accounts and amassed a tidy sum during your working years. But once you tap those accounts in retirement, you have to deal with a nasty surprise: Uncle Sam wants his share — and that cut can be painful …

2) Retired Couples May Need $240,000 for Health Care
  The projections are part of Fidelity’s benefits consulting business. The study is based on projections for a 65-year-old couple retiring this year with Medicare coverage.

3) Retirement savings plans fall short
  According to Fidelity Investments … Workers over age 55 have about $130,000 saved on average …

4) A Bucket Strategy For Retirement Income
  One of the most important services financial professionals offer their investors may be a well-structured and sustainable retirement income strategy.

5) Long-term care, the secret threat to your retirement
  Approximately 70% of Americans over the age of 65 will need some form of long-term care during their lifetime, according to information from the National Clearinghouse for Long-term Care.

6) The Sibling Sinkhole
  How showing a little brotherly love can be an expensive proposition.  In a recent retirement study by Charles Schwab, a whopping one-fourth of respondents said they’re worried they will have to financially support their siblings.

7)  With Apple as a member, Dow would have set a record long ago
  If Apple had been added to the Dow in June 2009, the last time there were serious rumors that it would happen, the average would be about 2,500 points higher than it is today and well above its all-time high.

8] Mutual fund fees declined in 2011
  U.S. stock funds charged an average 0.74% last year, while funds investing primarily in foreign stocks charged 0.93%.

9) The Real Cost Of Owning A Mutual Fund

Newsletter: www.iuldigest.com/?page_id=3085        

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Article by Brett in Agent’s Sales Journal 5 May 2010

A) Why Indexed Life is a Great Alternative to
More Popular Retirement Savings Plans

http://www.asjonline.com/Issues/2010/5/Pages/Why-Indexed.aspx 

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* Brett’s Article in Agents’s Sales Journal 7-1-10

 B) The Misuse Time Bomb of
Indexed Life Variable Loan Rates

   With the right design and company, indexed life may be one of the best retirement savings investments today. But there is one major flaw in the way most agents present projections of future streams of income; consequently, an unwelcome reckoning may be coming.

http://asjonline.com/Issues/2010/7/Pages/The-Misuse.aspx

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3) Comparing IUL’s Apples-Apples

Article about this by Brett in Agent’s Sales Journal 1 June 2010

“How to Compare Indexed Life on an
Apples-Apples Basis: 2 Mistakes You May be Making” 

 http://asjonline.com/Issues/2010/6/Pages/How-to-Compare.aspx 

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Some of the REPORTS on IULDigest

 

• “POLICY AVERAGE COSTS %“

  According to Morningstar the total annual costs for the “average” domestic mutual fund is 3.03%.   How would you like to be able to show that for a “Top” IUL designed the Optimal way that over a Lifetime the Average IUL Fee % is ONLY 0.25% to 0.50% per year!!

 

• “Best Way to Design IUL“

  There are two primary ways to design a UL policy – most agents don’t even know the second way for maximum cash value performance even exists!  The next step to make it even better is to …

 

• “INFLATIONIZE“

How to Best Design an IUL to stay ahead of Inflation, enahance the policy Cash Value and IRR performance AND Increase Target 30-40%!

 

• “SWEEP POLICY“

How Often does the Co. move the money into the Index Accounts?  This is something most people would not even think about.  Some co.’s do this with 100% of the premium when they get it.  But …
-  Do you know which high profile co’s move it only quarterly?
-  Or REQUIRE that one year’s expenses ALWAYS be kept in the Fixed Account?
 - Do you know which BIG name co. limits the NEW premium for a policy year that can go into the index accounts to what was paid the year before (so if the premiums paid last yr was $0 this year ALL of it MUST go into the Fixed account)?!! 

 

This is just a SAMPLE of the
Invaluable Information on IULDigest!

 ”I think the service you provide is incredible!”

Harry P. / Iowa / 2-10-12

 

IULDIGEST

   The Beginning … In 2007 I had an idea to write a “Different” book about Index Universal Life, HOW it works and WHY it is a Better Retirement Savings asset with its Tax FREE Income, instead of Tax Deferred Qualified Savings. It ALSO shows how to best DESIGN an IUL and RANKS all the companies from best to worst. This book became “Last  Chance Retirement“  ( www.lastchanceretirement.biz ) which is very popular with — and has received rave reviews — from advisors and clients! BUT there is a LOT more specific co. and IUL information than what is in the book that changes throughout the year – you will find that here!

  The caps (and so cash value gains) of the companies continually change, as well as NEW companies being introduced into the marketplace  (Do you know which is the top selling co.? And that its IUL comes in dead last in performance?!).  So it just seemed logical to create and provide this service where you can find up-to-date information on ALL IUL plans what their “Actual” Historical Cash Value and IRR could have been so that you can do a “fair” Apples-Apples comparison of the benefits, features and projected Cash Value of all the different plans:

I) BASIC Information on ALL Primary IUL companies and their IUL(s)

 - Financial Information on Co. (Rating, Assets)
 - Index(s) Available
 - Current Cap
 - Participation Rate
 - Index Method (pt-pt, average, etc.)
 - Loan Options
- Overloan Rider [Deal Breaker for Retirement Savings Plans!]
 - Accelerated Death Benefit [Great Benefit for Singles too!]
 - Living Benefits [This could cost your clients $1 million over a lifetime!]
 - Bonus [Guaranteed or Not?! What co. promotes it but won’t even put it in the
               policy?!]
 - Minimum Guaranty (CV &/or SV, Lapse)
  [Which co’s have a 0% CV minimum guaranty - but actually do a look-back reconciliation at a 3% minimum every 8 years (& have the highest industry caps & among lowest cost?!]
- Crediting Methodology
- Index Bucket Requirements and Options
  [Which companies lock you into an index for 5-6 years even with annual crediting?]

 

 II) GENERAL Information on IUL
- Bear Market Historical
- “Lost Decade”
- Company Financials
- Cap History
- Variable vs. Fixed or Participating Loan
- No Market Risk
- Tax Free Income

 III) IUL COSTS
- Annual and Lifetime Annual Average
  (Lowest Lifetime Average Cost of any “Investment”)

 IV) IUL NET “Historical” Gains
- True Apples-Apples comparison of all IUL’s.
- Adjusted Historical Comparison Illustration Rate to use for each co.
- RANKING Chart of all companies for M50 NSP and M40 NSP.
- NET Cash Value and IRR Analysis based on Estimated 20 Year Average Cap (16%!).

  Here are two of the comments I received about this analysis:

                                LSW Home Office Analyst (January 2009)
“Your spreadsheet seems like a logical and fair comparison. Regarding your product analysis I appreciate and respect your due diligence to benchmark and analyze our IUL products and our competitors IUL Products.”

                            Major Company Chief Actuary (January 2009)
“Wow. There are some fairly substantial deviations between what you’ve calculated and what the carrier presents. Most of the benchmarking that I’ve seen from advisors, firms or third parties such as the Full Disclosure reporting from Blease Research uses the carrier’s illustration rate based on the carrier’s own lookback calculations. There is no consistency in that approach as you’ve demonstrated. Illustrating each product with the 20 year average rate you’ve compiled for each would provide you with the most comprehensive apples-to-apples comparison that I know of in the indexed life market.”

 

 V) IUL STRATEGIES
 - Retirement Savings
- Own Banker
- Pension Max
- BEST College Savings Plan

 VI) INDUSTRY Reports
- UL, Whole and Variable Life:
Actual Historical 20 Year CV and IRR from the Companies!
- How they really performed vs. how the co. said they would perform 20 years ago!

VII) NEWSLETTER (3-4 per month)
- Updates on IUL Industry & Co. changes
- Other Industry News
- New IUL Analysis Report by Brett
- Articles in General related to Retirement Savings (National Debt, LTC, Health Costs, etc.)

(Many agents tell me they are glad they subscribe just for the Newsletter!) 

VII) DISCOUNTS

…  on “Last Chance Retirment” materials for Gold and Platinum Members:

- Books, Booklets, Power Points, IUL All Co.’s Reference Manual, IUL vs. QP Manual and More! The most comprehensive IUL educational and marketing materials in the Industry including a Consumer Booklet on how an Index Annuity really works and what features to include and avoid; which are the best Co’s!

www.lastchanceretirement.biz  www.iuldigest.com/?page_id=135

 

MEMBERSHIP OPTIONS

1) Copper $99 Year

 - Access to Site and ALL its Reports and other Materials
(NO Discounts on Books, Booklets, Manuals and PPT)

2) Gold $145 Year

- Access to Site and ALL its Reports PLUS Discounts on Last Chance Retirement Materials.

 - Also Includes Free 20 minute Consultation each Month
($50 Value – Case Design, General IUL Questions and/or Specific Product Questions]

3) Platinum $199 Year

 - Access to Site and ALL its Reports PLUS Larger Discounts on Last Chance Retirement Materials.

 - Also Includes Free 40 minute Consultation each Month
[$100 Value - Case Design, General IUL Questions and/or Specific Product Questions]

TO JOIN

Copper     www.iuldigest.com/?page_id=1720

Gold     www.iuldigest.com/?page_id=1729

Platinum     www.iuldigest.com/?page_id=1738

 

Disclaimer

I have received NO remuneration of any kind from any Insurance Co., IMO or Agency for any of the information on this website.

All of the information is believed to be correct but is NOT warranted.

Site Disclaimer Legalese
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