IUL vs Roth IRA: The Honest Comparison (What Agents Won't Tell You)
An insurance agent just pitched you an IUL. They said: "Tax-deferred growth. No contribution limits. Insurance protection. Perfect retirement vehicle." But here's what they didn't tell you: Same $7,500/year investment over 40 years: • Roth IRA: $1,090,000 (tax-free) • IUL: $520,000 (with loan interest to access) That's $570,000 MORE in the Roth. Why the difference? • Roth fees: $0-$60/year • IUL fees: $50,000-$120,000 total (commissions, insurance costs, admin) • Roth growth: Unlimited upside (if market returns 18%, you get 18%) • IUL growth: Capped at 8-12% (leave gains on table) • Roth access: Direct withdrawal, tax-free • IUL access: Policy loans at 6-8% interest This video breaks down: ✓ What Roth IRA actually is (simple, transparent) ✓ What IUL actually is (complex, fee-heavy) ✓ Side-by-side comparison (the real math) ✓ Pros and cons of each (balanced view) ✓ When each makes sense (95% of people = Roth wins) ✓ What to do if you've been pitched an IUL 📍 TIMESTAMPS: 0:00 - Intro 2:00 - Disclaimer 2:20 - Intro 2:45 - What is Roth IRA? 6:15 - What is IUL? 11:00 - Side-by-side comparison 16:30 - Pros & cons 18:30 - When each makes sense 19:00 - Conclusion & recommendation 21:45 - Outro 23:00 - Full disclaimer ⚠️ DISCLAIMER: Not a financial advisor, insurance agent, or CPA. Educational comparison only. IUL policies vary by company. If you own an IUL, consult fee-only advisor before canceling (surrender charges 5-15%). Commission structures vary (using industry averages 30-50% Year 1). Roth IRA rules based on 2026 laws (subject to change). 7% market return is historical average (not guaranteed). IUL caps vary (8-12% typical). Term insurance pricing varies by age/health. This is educational, not personalized advice. I earn zero commission from any products discussed. Fee-only advisors are fiduciaries paid by you (not commissions). This video is intentionally critical of IULs to counterbalance aggressive industry marketing. Individual results vary. Get professional personalized advice. #iul #indexeduniversallife #rothira #indexeduniversallifeinsurance #financialadvisor #insuranceagent #retirementplanning #financialeducation
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