Critiques, fact-checked

We engage the critique, not the critic.

Indexed universal life is among the most criticized products in personal finance, sometimes correctly. We respond to the four critiques that hold the most weight, with math and citations. Where the critique is right, we say so. Where it's incomplete, we show what's missing.

The no-cash-value critiqueThe critique says term insurance plus index funds beats permanent insurance every time. The math has assumptions worth surfacing.
The velocity-of-money critiqueThe critique says the cash-value loan mechanic is misunderstood and oversold. We agree partially. Here's where it holds and where it doesn't.
The fee-only fiduciary critiqueThe fee-only school treats commission-based products as inherently conflicted. The legitimate concern, the workaround, and what fee-based advisory actually buys you.
The index-fund-purist critiqueThe personal-finance community argues IUL is a tax-shelter that loses to a taxable brokerage in low-tax-bracket cases. The honest after-tax comparison.