In this episode, we ask:

• Would you like a practical guide to building a resilient business?
• Would you like to read and review our new book, The Business Fortress: How to Grow, Protect and Exit Your Business?
• What was so scary about Frankenstein’s monster?
• What is Variable Universal Life (VUL)?
• What is the nightmare twist?
• What are the risks of VUL policies?
• Why did VUL policies decline in popularity after the 1990s?
• How many VUL policies lapse each year?
• What are the hidden costs inside a VUL policy?
• What happens when a VUL policy lapses?
• What is a sub-account in a VUL policy?
• What is an expense ratio?
• Why is 2-4% so bad?
• Why are VUL sub-accounts more expensive than regular ETFs?
• What about capital gains tax?
• Why do advisors push VUL policies to high-income earners?
• What about the 7702 section of the tax code?
• Is VUL a good tax-advantaged investment?
• What happened to the S&P in 2002?
• What happens to VUL policies during a market downturn?
• What is the net amount at risk?
• What happens when the markets dip?
• How does market volatility affect VUL insurance policies?
• What is a death spiral in VUL insurance?
• Can VUL costs increase during retirement?
• What about the total annual fees in a VUL policy?
• How do VUL fees compare to whole life insurance?
• What is the total drag on a VUL policy?
• What is a Bank On Yourself® whole life policy?
• What are the benefits of whole life insurance vs. VUL?
• What happened to VUL policies during the .com crash?
• How did VUL policies perform during the 2008 financial crisis?
• What about class action lawsuits?
• What are the risks of borrowing from a VUL policy?
• What is negative arbitrage?
• Why do VUL loans often result in poor returns?
• Why do insurance companies discourage fixed account use in VULs?
• What are the downsides of VUL fixed accounts?
• What does the SEC say alerts say about VUL illustrations?
• Why is a Bank On Yourself® whole life policies far superior?
• Have you seen The Hunchback of Notre Dame?
• What is a fixed index annuity (FIA)?
• What did the 2002 Morning Star report say?
• Can fixed index annuities replace VUL for retirement planning?
• Do you own a VUL? Would you like to know how to audit your VUL policy?
• How about a case study?
• What should you look for in a VUL in-force illustration?
• What happens when VUL cash value drops significantly?
• Can VUL policies collapse due to market losses?
• Why are VUL loans problematic during market downturns?
• What are the loan interest rates in VUL policies?
• Why is VUL unsuitable for retirees?
• What are the risks of managing a VUL policy with age?
• What are the benefits of whole life policies for long-term care?
• Can whole life insurance help with medical expenses?
• How does a fixed index annuity provide retirement income?
• What are the top alternatives to VUL policies?
• Can you transfer a VUL policy to whole life insurance?
• Why does the SEC say that VUL policies are unsuitable for nearly everyone?
• What is SWAN money?
• What are low-risk retirement strategies?
• What are the takeaways?
• Who needs to hear about this?