The Truth About Indexed Universal Life No One Told You About

IULs are often sold as “you can’t lose.” Not true... policy charges and fees don’t stop in a down market. When the index credits 0%, those costs still come out of your account and that means your cash value shrinks. Over time, this can put your entire policy at risk. Don’t buy into the hype, make sure you know the truth before you commit.
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1:00 The Half Truth About the 0% Floor
4:09 The Retirement Income Trap
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ABOUT THE HIDDEN RESERVE

Chris Zerafa is the Founder of The Hidden Reserve, a financial services company dedicated to providing families and business owners with financial strategies that are rooted in guarantees, not guesswork.

Chris educates clients on how to leverage cash value insurance and guaranteed annuities to create a more secure, predictable financial future.

Enhance your financial portfolio with guaranteed growth, guaranteed income & tax-free use of money, giving you the peace of mind knowing your wealth is protected and growing.

Key Areas of Expertise:
​• High Cash Value Insurance (Infinite Banking)
​• Guaranteed Retirement Income through Annuities
​• Wealth Transfer with Life Insurance
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DISCLAIMER

Everything in this video is meant to educate, not to serve as specific financial guidance for your situation.
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