Sarraf Gentile

If a life insurance carrier earns a 4% return on their general account but illustrates a 6% crediting rate in their Indexed Universal Life (IUL) index allocations, they are effectively projecting a 50% annual profit on their options purchasing. This is obviously a fantasy and does not represent how the indexing features of the policy […]

Claims that Indexed Universal Life policies offer a sustainable performance advantage without equivalent risk are misguided because the options purchased are a wash over the long term.

I expect to see (and file) lawsuits related to premium finance deals gone bad with increasing regularity.