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Free for financial professionals

Why clients buy accumulation IUL

A two-page training guide for agents new to indexed universal life: the ten buyer situations where IUL fits, nine ways to open the conversation, and the guardrails that keep it compliant.

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Preview of the Why Clients Buy Accumulation IUL one-pager
50+ yearsplacing hard-to-place cases
60+ carrierslife, DI, LTC and annuities
Impaired riskunderwriting specialists
Case designand advanced planning support

What’s inside

Built for your first IUL conversations

Clients don’t buy an IUL. They buy a solution to a problem they already have. This one-pager helps you find that problem first.

  • Why they buy, by buyer: the problem each client is solving and why IUL fits, in one table.
  • Client approach ideas: nine approaches, from grandparent legacy gifts to RMD repositioning, each with a sample opener.
  • Guardrails: who is and isn’t a fit, compliant language, required disclosures and basic design rules.

The ten buyers covered

  • Grandparents buying for grandkids
  • Parents saving for a child’s future
  • High earners phased out of a Roth or with a maxed-out 401(k)
  • Pre-retirees worried about a market drop
  • Retirees watching Social Security taxes and IRMAA
  • Retirees with RMDs they don’t need
  • Young families on one budget
  • Clients worried about long-term care
  • Business owners
  • Existing term policyholders

Get the guide

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Who you’ll work with

Tim Fuller, President of SRS Inc.

Tim Fuller

President, SRS Inc. · Littleton, Colorado

SRS has helped advisors place life, disability, long-term care and annuity cases for more than 50 years, with a focus on impaired risk underwriting and advanced planning. When you send a case, you work directly with our team, not a call center.

303-309-3471 · tjfuller@srsinc.com · Why SRS

For licensed insurance professionals. Not for client distribution. Tax treatment depends on proper policy design and current law; clients should consult a tax professional. Illustrations are not guarantees.