Licensed Life Insurance Agent
Daniel Whitford
- NPN #20847391
- Licensed in 10 states: TX, FL, CA, NY, GA, AZ, CO, NC, WA, OH
I sold my first IUL in 2014. I’ve spent the decade since explaining the ones I won’t.
Most of what gets written about Indexed Universal Life is written by people trying to sell it to you. Most of what gets written against it is written by people who don’t actually understand the contracts. ModernIUL was built to sit in between — a working agent’s editorial.
I’m Daniel Whitford, a licensed life insurance agent. I write every article on this site. I review every illustration my readers send me. And I say no to roughly four out of every five prospects who ask about IUL, because most of them are better served by a Roth, a 401(k), or term insurance plus a brokerage account.
The articles here are the conversation I have with every serious prospect, written down. If after reading them you decide an IUL belongs in your plan, I’d be glad to help. If you decide it doesn’t — that’s a good outcome too.
“The agents who tell you IUL is always the answer are usually paid to. The ones who say it’s never the answer haven’t read the contracts.”
— Daniel Whitford