Sheryl J Moore
Expert
- 86
I just watched the Curtis Ray video @DHK . He knows less about indexed life than I realized. Changing IUL rates is a function of the indexing mechanism, so many carriers will have different new business and inforce rates. He says he won't use an IUL that has a "ceiling" on the loan rate- well, the insurance company can just increase their insurance charges, if they are unable to adjust the loan rate. There are tons of carriers that won't accept a 1035 with a loan; how could he not know that, given his "expertise." And given his personal payment history on his IUL, how is he not MECing it? I am not impressed. sjm
