Hi, my name is anil an army realtor and also hold a life insurance license so in this presentation today. Let's compare Index Universal Life Insurance with Investing in real estate. I'm showing a client who is buying a property worth $500000. Client wants to do a first payment of $100000. Now let's compare this with real estate versus index universal life insurance.
| Reat estate | IUL | |
| You have to manage real estate | nothing to manage | |
| You have to keep paying mortage every year | nothing to pay as you paid one time 100k | |
| You have to ensure property rented | no rental | |
| IF market crash then property price can go down | Floor is zero so inititial investment never go down | |
| You get shelter if you live | You get life insurance increasing, with tax free | |
| You have no medical protection | You get Chronic/Crititcal and Terminal protection or living benefits | |
| Investor have to pay tax every year even if property paid off full. | You paid one time and its growing based on picked index between zero and cap (AIG today giving 11.75% cap) | |
| No law suit or legal issues protected | No one can steal it | |
| Have to pay interest if we take out loan based on market value | Loan is tax free and interest is zero on loans |