Many agents sell Indexed Universal Life (IUL) on the promise of “0% no loss” or even a 1% floor—but that’s only half the story. Policy charges and rising insurance costs mean “zero” years are actually negative, often -2% to -2.5% net. Floors above 0% are usually temporary, can be reduced anytime, and come with hidden costs. That’s why IULs must be explained and designed properly—and why an independent review from LifeInsuranceReview.com (LIR) is essential.

LifeInsuranceReview.com (LIR) announces its first book in the Life Insurance Confidential series — Don’t Let Yourself Own a Bad Policy, by Chief Life Insurance Analyst John Nguyen, EA, CLU®, ChFC®. This consumer guide exposes industry practices, reveals why most policies can be improved, and empowers readers to demand transparency, act in their best interest, and seek independent reviews.

Many agents are selling life insurance, annuities, disability, and LTC policies based on outdated or self-serving advice. The new OBBB Act changes the tax landscape, reducing the need for many of these products — yet the sales push continues. LifeInsuranceReview.com offers independent, fiduciary policy reviews to help you avoid being sold and start making decisions in your best interest.

Most IUL policy illustrations leave out key pages—like Charges & Expenses and Internal Rate of Return—that reveal the true costs. At LifeInsuranceReview.com, we’re fee-based experts who help clients and their advisors uncover hidden fees, compare options, and make informed decisions. If you don’t see these pages, you’re not getting the full picture.

LifeInsuranceReview.com created its own “Dear Policyholder” letter to remind clients that their life insurance policy was not sold to them—but purposefully chosen after a thorough, unbiased review. As consumer advocates, LIR helps people truly understand their coverage, uncover better options, and buy with clarity. This heartfelt letter is now shared publicly to inspire informed choices and protect families with confidence.

Many IUL illustrations look promising but leave out key details like fees and net returns. In one 41-page case we reviewed, two critical pages were missing—hiding real costs and overstating performance. LifeInsuranceReview.com helps consumers uncover what’s not shown, offering unbiased reviews so you can make informed, confident decisions before buying or exchanging a life policy. Don’t rely on assumptions—get the full picture first.

ABR Living Benefits are often marketed as “free,” but they’re not. Whether in term or cash value life insurance, these riders carry hidden internal costs that can reduce cash value growth and long-term policy efficiency. LifeInsuranceReview.com helps consumers uncover these costs with expert, unbiased reviews—ensuring you’re informed, protected, and not misled by sales tactics.

ChatGPT said: Whole Life and IUL policies offer tax-free income through loans—but choosing the wrong loan type can hurt your policy. This article explains key differences like direct vs non-direct recognition (Whole Life) and participating vs standard loans (IUL). LifeInsuranceReview.com helps consumers make informed decisions with unbiased policy reviews, ensuring your loan strategy supports your long-term goals.

Most insurance agents lack investment licenses and proven experience of investment and financial planning —leading to biased advice. LIR gives consumers the truth, unbiased.

Seven smart options for unwanted life insurance policies—get expert, unbiased reviews at LifeInsuranceReview.com.

Many life insurance agents pose as financial advisors—don’t be misled. Get expert, unbiased reviews at LifeInsuranceReview.com.

Avoid being a square peg in a round hole. Let LifeInsuranceReview.com help you review and verify your life insurance the right way.

Unbiased, expert disability policy reviews by fiduciaries—no sales pitch, just clarity to help you protect your income and make informed dec

Get unbiased, transparent life insurance insights from LifeInsuranceReview.com. We educate & empower—helping you make informed decisions!

Don't be sold—get a second opinion on your life insurance! Explore, compare, and verify with a fiduciary, not a salesperson.

Get a trusted, expert second opinion on life insurance from fiduciary analysts at LifeInsuranceReview.com—for consumers & professionals.

Buying life insurance? 9 out of 10 policies need improvement. Get a second opinion from a fiduciary expert at LifeInsuranceReview.com!

Get a second opinion before buying life insurance from a financial advisor. LIR ensures you explore, compare & verify options.

Learn the unique Life Insurance Planning X-Curve by LifeInsuranceReview.com (LIR) to better understand life insurance company products.

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