Yesterday we posted an article written a few years ago about why Universal Life and its various derivatives such as IUL, EIUL, and VUL are not good choices when considering the Infinite Banking Concept. Just this morning as a response to our article we were made aware of an announcement by a major carrier that they were RAISING their rates on policies already in force. This means the cost of insurance or COI is greater than what was projected. UL, VUL, IUL, and EIULs can all be affected by this kind of situation.
As we have said before, if we cannot increase your benefits, and reduce your risk without you spending another dime, you should not talk to us.