Have You Had an Audit for Your Indexed Universal Life (IUL)Policy?

Have You Had an Audit for Your Indexed Universal Life (IUL)Policy?

If you own an Indexed Universal Life (IUL) policy, it might be time for an audit. Life changes, markets shift, and policies evolve. Here’s why a policy review is essential:

Why You Need an IUL Audit

1. Ensure Your Policy Aligns with Your Goals
       Life happens—marriages, children, career changes, or even retirement. An audit ensures that your IUL remains aligned with your financial and legacy goals.
2. Assess Performance
       Is your cash value growing as expected? An audit evaluates the interest credits, fees, and overall policy performance, ensuring you’re getting the most out of your investment.
3. Identify Cost Inefficiencies
       Over time, some policies may become costlier due to rising insurance charges or fees. An audit helps spot these inefficiencies and identifies opportunities to save.
4. Stay  Competitive
       The IUL market has evolved, with newer policies offering enhanced features, better growth opportunities, and lower costs. An audit ensures you’re not missing out on these advancements.
5. Plan for the Future
       If your goal is to utilize your IUL for living benefits, tax-free retirement income, or estate planning, regular reviews ensure the policy is structured to meet those needs effectively.
6. Correct  Policies That Were Built Wrong
       Unfortunately, some agents design IUL policies in a way that prioritizes their commissions over the client’s best interest, especially if the policy is less than three years old. If your IUL isn’t structured correctly, it could cost you significantly in the long run. An audit can uncover these mistakes and provide solutions to fix them, ensuring your policy is built with your financial success in mind, not your agent’s wallet.

Please don’t wait until it’s too late to fix potential issues. Schedule a quick and comprehensive audit to ensure your IUL is working effectively for you. Please message me to book your Audit today!

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