IUL Rescue
First, What an IUL Is
IUL stands for indexed universal life: a permanent life insurance policy with a cash value inside it, where the interest credited to that cash value is tied to a market index such as the S&P 500 rather than invested in the market directly.
Do You Have One? Are You Happy With the Performance?
If you bought an indexed universal life policy, someone likely told you it would build value and protect it from market losses. That part can be true. What often gets skipped is a clear walkthrough of the fees involved and how they affect what you actually keep over time.
Did your agent explain the fees when you bought it? If you’re not sure, that’s exactly what IUL Rescue is for. Is the policy you own actually working like a bank for you, or is it just sitting there?
What a Rescue Review Actually Looks Like
We go through your existing policy in plain language: what it’s charging, how it’s structured, and whether the numbers still line up with what you were originally told. This isn’t a sales conversation. If your policy is genuinely working the way it should, we’ll tell you to leave it alone. We only recommend a change when we can actually improve your position.
Any specific carrier bonus, return percentage, or fee figure discussed on a call is specific to your policy and current carrier offers at that time, not a fixed, universal number. Ask for your own numbers in writing before making any decision.
Why “Rescue,” Not “Replace”
Some IULs are structured well from the start. Others end up carrying high fees from day one because of how they were originally sold, without the client ever seeing a clear breakdown. A rescue review tells you which one you have, honestly, before anything else happens.
Frequently Asked Questions
What is an IUL?
IUL stands for indexed universal life. It's a permanent life insurance policy with a cash value inside it, where the interest credited to that cash value is tied to the performance of a market index such as the S&P 500 instead of being invested in the market directly. Because you don't own the index, a falling index doesn't subtract from your cash value, and a rising one credits interest subject to caps and participation rates that limit how much of the gain you receive. Policy charges come out either way, every year, which is exactly why how the policy was built determines what you actually keep. If you'd like to understand how one works, or how the one you already own works, call Jeff and he'll walk you through it.
Learn about IUL Rescue →I already have an IUL, can you help?
Yes, that's exactly what IUL Rescue is for. We'll go through your existing policy together and look at the actual fees, how it's structured, and whether it's performing the way you were told it would. If it's working well, I'll tell you to leave it alone. If it isn't, we'll walk through what your real options are, no pressure either way.
Learn about IUL Rescue →