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The complex world of Indexed Universal Life (IUL) policies is often misunderstood by the very agents selling them. According to Robert Rikard, Partner at Rikard & Protopapas LLC, it boils down to a lack of proper education. Agents are taught how to pitch the product but rarely understand its intricate mechanics. Robert’s experience litigating IUL…
What happens when agents prioritize high commissions over your best interests? Indexed Universal Life (IUL) policies become ticking time bombs. Robert Rikard, partner at Rikard & Protopapas LLC, warns that cherry-picking high-commission products as the sole strategy for clients often leads to financial ruin. Life insurance is a valuable tool, but when agents don’t fully…
Selling Indexed Universal Life (IUL) policies without understanding them is a disaster waiting to happen. Robert Rikard, partner at Rikard & Protopapas LLC, emphasizes that agents are often trained on sales techniques, not the actual workings of these complex products. This leaves them ill-equipped to address the real needs of their clients. If you’re thinking…
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Agents often use buzzwords like “Be Your Own Banker” to sell Indexed Universal Life (IUL) policies, but Richard Canfield exposes a harsh truth: these claims violate the trademark owned by the Nelson Nash Institute. Robert Rikard, Partner at Rikard & Protopapas LLC, has seen countless cases where these misleading pitches confuse policyholders into thinking IULs…
Surrender charges, hidden fees, and escalating costs—Indexed Universal Life (IUL) policies often leave policyholders feeling trapped. Robert Rikard, partner at Rikard & Protopapas LLC, explains how these products’ surrender charges peak in the early years, leaving many to realize too late that they’re upside down on their investment. By the time the policy collapses under…
Do you know the risks hidden in irrevocable life insurance trusts (ILITs)? Agents often sell IULs under the guise of advanced financial strategies, but Robert Rikard, partner at Rikard & Protopapas LLC, reveals the truth. Once “irrevocable,” these trusts come with strict rules. These convoluted setups often lead to costly mistakes, with agents illustrating benefits…
What if the dream of financial freedom turns into a nightmare? Indexed Universal Life (IUL) loans have led some families to lose their homes and retirement savings. Robert Rikard, partner at Rikard & Protopapas LLC, shares cases where agents advised taking home equity loans to fund IUL premiums, a dangerous move that’s explicitly prohibited by…
Did you know that Indexed Universal Life (IUL) policies shift the burden of risk entirely onto you, the policyholder? Richard Canfield reveals that unlike whole-life policies, where insurers absorb risks and provide guarantees, IULs leave policyholders navigating a complex web of choices and responsibilities. The “buffet-style” design of IULs may seem appealing, but it’s a…
Nelson Nash’s principles of Infinite Banking offer a roadmap to growing your assets and taking full control of your financial future. Nate Dean, co-founder of Unlimited Life Concepts, shares why expanding the Infinite Banking system has been so impactful for him. He recalls his journey from starting with a small policy to now running seven…
Why choose between investing and using whole life insurance when you could do both? Jayson Lowe explains that using whole life insurance is not mutually exclusive to investing. It provides an unmatched way to control how you finance the things you need in life. He challenges skeptics to truly understand the concept before critiquing it,…
ORDER A COPY OF OUR NEW BOOK! Don’t Spread the Wealth: How to Leverage the Family Banking System to Own All the Gold, Make the Rules, and Enjoy Generational Riches https://www.amazon.ca/Dont-Spread-Wealth-Leverage-Generational-ebook/dp/B0CW19QSGT/ Website: https://dontspreadwealth.com/ Are you aware of the ticking time bomb in the financial world? Indexed Universal Life (IUL) policies, marketed as tax-free retirement solutions,…
Whole life insurance offers a simpler way to grow wealth while giving you peace of mind. Nate Dean, co-founder of Unlimited Life Concepts, shares an insight from Garrett Gunderson: “One of the biggest mistakes people make is feeling like they always have to be invested in something.” He highlights the value of having access to…