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How to request and interpret an in-force illustration from your carrier?
What red flags to look for in underperforming IUL policies?
How to compare original projections vs. current performance?
Understanding your Index?
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What other alternatives are out there?
Want 1 on 1 help with the following
Top Risks of IUL
Never Ending Rising Insurance Cost
Not Directly Invested in Index -
No Dividend Returns
Annual Point to Point Chasis
Company Can Change Caps, Spreads, and Par Rates
Loans "Tax-Free Income" are not accurately portrayed
High Front Load Expenses
Find Your Carrier or IMO Below
A mutual company with a long history, NLG has gained attention in recent years for its LSW (Life of the Southwest) branded IULs, like FlexLife and PeakLife.
NLG IULs are often sold with heavy emphasis on living benefits, policy loans, and income-tax-free retirement strategies.
Commonly promoted through IMOs such as Five Rings Financial, Symmetry Financial Group, and PHP Agency, with widespread appeal in the network marketing and part-time agent spaces.
One of the largest global insurers, Allianz offers several IUL products positioned for retirement income and tax-advantaged growth, with a heavy emphasis on proprietary index strategies.
Known for products like the Allianz Life Pro+ Advantage IUL, often marketed for cash accumulation and legacy planning.
Frequently distributed through large IMOs and FMOs such as FIG (Financial Independence Group) and CreativeOne, with aggressive illustrations and bonus structures that can be misunderstood.
Offers IULs such as Income Advantage IUL and Life Protection Advantage IUL, with a focus on living benefits and moderate growth potential.
Their policies include competitive chronic illness riders, but illustration assumptions can be optimistic without proper funding.
Distributed via IMOs such as Partners Advantage and Gradient Financial, and Doug Andrews. often targeting the middle-market with simplified messaging.
One of the largest global insurers, Allianz offers several IUL products positioned for retirement income and tax-advantaged growth, with a heavy emphasis on proprietary index strategies.
Known for products like the Allianz Life Pro+ Advantage IUL, often marketed for cash accumulation and legacy planning.
Frequently distributed through large IMOs and FMOs such as FIG (Financial Independence Group) and CreativeOne, with aggressive illustrations and bonus structures that can be misunderstood.
Offers IUL products like Pathsetter IUL and FG AccumulatorPlus IUL, emphasizing growth through custom index options and enhanced income features.
Uses illustrated multipliers, uncapped strategies, and bonuses that may come with higher internal costs and complexity for policyholders.
Distributed via IMOs such as Integrity Marketing Group, Equis Financial, and others targeting both career and independent agents — often focused on middle-income clients seeking retirement income strategies.
A highly rated and longstanding insurer offering IULs like Pacific Horizon IUL and Pacific Discovery Xelerator IUL, often pitched for cash accumulation and executive benefits.
Known for using multipliers and bonus crediting strategies, which can make illustrations appear more favorable than actual performance especially when not fully understood by clients.
Frequently distributed through premium-financing groups like NIW/Kaizen, as well as larger IMOs such as Partners Advantage and Highland Capital Brokerage.
Offers IUL products like Nationwide IUL Accumulator II and Nationwide IUL Protector II, emphasizing low-cost structures and strong death benefit protection.
Often praised for transparency, flexible features, and access to recognized index options, though still subject to performance gaps if not properly funded.
Commonly distributed through independent advisors and larger IMOs like Ash Brokerage, Highland Capital, and M&O Marketing
The Kaizen strategy is a premium-financed IUL concept designed for high-net-worth clients using leverage to maximize policy contributions.
Typically built around carriers like Zurich and Pacific Life, and sold as a tax-free income and legacy planning solution using third-party loans.
Operated and marketed by NIW Companies, Kaizen is not a carrier but a strategy provider working with financial professionals and RIAs and comes with layered complexity and risk.
An IMO with rapid growth in the final expense and term insurance space, but also distributes IULs especially NLG and Mutual of Omaha to agents across the country.
FFL positions IULs as living benefit solutions, sometimes oversimplifying their long-term funding needs and performance mechanics.
Their recruiting and marketing structure prioritizes high commissions and agent velocity, often leading to inconsistent client education.
A large multi-level marketing (MLM) style agency affiliated with Transamerica, focused on recruiting agents and distributing IUL products to broad markets.
WFG often trains new agents to use IULs as retirement planning tools, regardless of client suitability or policy complexity.
Known for aggressive sales practices, limited product diversity, and an emphasis on building teams over building expertise.
