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Old 09-30-2011, 05:25 AM   #1
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IUL with Minimum Guarantee IUL with Minimum Guarantee
I've been researching IUL's and looking for carriers that offer a minimum 2-3%. Do these carriers still exist?
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Old 09-30-2011, 07:23 AM   #2
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IUL with Minimum Guarantee Re: IUL with Minimum Guarantee
Originally Posted by doctor View Post
I've been researching IUL's and looking for carriers that offer a minimum 2-3%. Do these carriers still exist?

Penn is the highest I know of at 2%.

LFG & ING both are 1%.


All three are my top picks for IUL.


Stay away from 0% floors.
If your selling CV, then you should compare the cost of accessing the money just as much as the floor.
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Old 09-30-2011, 08:16 AM   #3
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IUL with Minimum Guarantee Re: IUL with Minimum Guarantee
Originally Posted by doctor View Post
I've been researching IUL's and looking for carriers that offer a minimum 2-3%. Do these carriers still exist?
A minimum guarantee is useless without knowing the cost of insurance charges.

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Old 10-07-2011, 05:44 PM   #4
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IUL with Minimum Guarantee Re: IUL with Minimum Guarantee
What about the carriers promoted by First Financial Securities, Inc.?

I believe it's North American
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Old 10-07-2011, 08:15 PM   #5
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IUL with Minimum Guarantee Re: IUL with Minimum Guarantee
Originally Posted by dgoldenz View Post
A minimum guarantee is useless without knowing the cost of insurance charges.
X2




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Old 02-17-2012, 11:35 AM   #6
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IUL with Minimum Guarantee Re: IUL with Minimum Guarantee
Nope, that's not the Carrier. The Carrier FFS used has a 2.5% Guarantee but the performance is not as much comparing to other carriers. There are two carriers that I knew and working with them have 3% and 4% guarantee on IUL. kv
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