Alliance University Product Prodcast

Presenting IULs Effectively and Compliantly: A Guide for Insurance Agents Join Gina Hawks and Alex Ian in this Thursday product call as they discuss the proper ways to present Indexed Universal Life (IUL) policies, focusing on their use for cash accumulation. This episode emphasizes the importance of compliance and proper disclosure in light of current regulatory and litigation trends. Alex shares key insights into avoiding common pitfalls and understanding regulatory challenges while Gina reviews practical tools and resources available for agents. Key topics include explaining tax implications, disclosing policy charges, and ensuring clients fully understand the nature of IUL products. 00:00 Introduction and Overview 00:51 Regulatory Concerns and Compliance 02:10 Current Litigation and Legal Risks 04:54 Common IUL Fraud Tactics 09:28 Legal Grounds for Fraud Claims 15:10 Misleading Sales Practices 24:52 Documentation and Client Protection 29:48 IUL Presentation Tools and Best Practices 32:18 Understanding Tax