{ "media_type": "text", "post_content": "Thoughts on Indexed Universal Life Insurance as an investment vehicle? I hear the pros and cons from the sellers of this, whom I understand gain heavy commissions. But wanted to get thoughts from investors and if this isn't a good vehicle, what alternative investment vehicles do you suggest (outside of stocks, Roth, 401k, and real estate)? Looking to diversify my portfolio. \n\nI'm 43, married, income 600k combined, and we have 2 properties worth 3m and investment accounts worth ~2-3m. \n\nThanks!", "post_id": "60e463b494853c0028925d40", "reply_count": 2, "vote_count": 2, "bowl_id": "59064a3cb12379001006592c", "bowl_name": "Personal Investment Chatter" }

Thoughts on Indexed Universal Life Insurance as an investment vehicle? I hear the pros and cons from the sellers of this, whom I understand gain heavy commissions. But wanted to get thoughts from investors and if this isn't a good vehicle, what alternative investment vehicles do you suggest (outside of stocks, Roth, 401k, and real estate)? Looking to diversify my portfolio. I'm 43, married, income 600k combined, and we have 2 properties worth 3m and investment accounts worth ~2-3m. Thanks!

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Selling points are locking in insurability as long as you start the policy young and having a hedge against inflation and market risk. Policies can be different with different terms, costs, riders on the policy etc based on your needs. Ultimately it’s your call if it’s the right product for you. Most people would be better with term insurance and managing risk appetite in bonds and stocks.

I don't do index but I have that cash value tied to a fixed rate and treat it as a bonds account. This is in addition to other equities I have, so I have a balance.

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