LMR – May 2012

We are not the first to wonder why it is that individuals with intense opinions about society generally fall into one of two camps. There are those that are inclined toward liberty—freedom to live his or her life in any peaceful way. And there are those who are inclined to rule—allowing others to live their lives only as another authorizes. Once angled to either one or the other of these directions it is rare to see them alter their course, they remain this way for life.

BankNotes – May 2012

Insurance companies have put numerous pages on the front of Equity Indexed Universal Life (EIUL) illustrations that describe the issues below, but most people (by design) will not take the time to read and understand what these pages are saying. I would encourage you to read those pages thoroughly before depending on an EIUL policy to increase your assets or protect your family. Similarly, Universal Life (UL) and its cousin Variable Universal Life (VUL) have some of the same problems so I’ve spelled out the issues below and placed an * next to the ones that are specific only to EIUL.