COI Waste Explained | How Bad VUL Design Quietly Destroys Value
Автор: Rao's Rendezvous
Загружено: 2026-01-28
Просмотров: 6
Описание:
This video breaks down a real VUL case study to explain something most illustrations hide:
Low COI does NOT mean good design.
Using actual policy mechanics, I show:
How excess death benefit quietly increases NAAR
Why corridor rules (IRC 7702) force DB higher if design isn’t controlled
How “small” design choices create $10k–$15k+ of lifetime COI waste
The difference between required death benefit vs avoidable excess DB
Why good pricing can still produce a bad outcome
This analysis is carrier-neutral and focused on structure, not projections.
If you’re reviewing VULs, IULs, or permanent life insurance for accumulation, this video will help you see what illustrations don’t say out loud.
Disclosure
This content is for educational and entertainment purposes only.
Not financial, tax, or insurance advice.
No insurance products are being sold.
All values shown are hypothetical illustration outputs.
Always review policy documents and consult licensed professionals.
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