IULs: The Hidden Cost of 'Safe' Insurance | Durham News

Dave Ramsey blasts indexed universal life policies as “absolutely horrendous,” warning middle-income families they’re being steered into costly, high-commission products disguised as safe investments. These IULs promise market gains with insurance protection—but hidden fees, low caps, and rising costs can slash returns over decades. When estate attorneys refer clients to salespeople, the real cost isn’t just premiums; it’s lost opportunity compared to Roth 401(k)s or index funds, plus potential tax hits if loans are taken. Always demand guaranteed numbers, compare term life, and ask in writing how referrals are paid—your trust shouldn’t come at your financial expense. Listen in comfort: Get a discount on a Soli Pillow: http://solipillow.com/discount/dnn. Advertise on DNN: [email protected] This is an automated, high-level news summary based on public reporting. Sources: https://www.heraldsun.com/news/business/article317245472.html#storylink=partnerdigest_the More coverage & latest updates: https://sources.thednn.ai/41f34b09a8d00f96 Report issues to [email protected].