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Author: Dwdonhoff Big gold star, 5000 posts Top Favorite Fools Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 75595  
Subject: Re: Retirement, college, and Obamanomics Date: 12/31/2012 2:24 PM
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Hi Bob,

Where can I find comparisons of costs, of the insurance, sales (upfront and on-going) as well as internal investment costs? I've found these difficult to find.
Every IUL illustration will fully break out all costs & charges. The mortality charges vary, of course, relative to the physical state of the person selected as the insured, but everything else can be compared to other alternatives.

As a broad-brush, the annual average of all charges inclusive, will be around 150 basis points by the 15th year, and under 100 basis points by the 20th year. That's assuming a tax-free growth & distribution account that is matching 100% to 140% of the annual upside of a single or blend of indexes.

If you want to make objective apples-to-apples comparisons (always a good idea,) its best to have an optimized illustration worked out for a specific case, for the various providers you want to compare.

Cheers,
Dave Donhoff
Leverage Planner
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