Sign-In
Cart
IUL Design 101: Real World Case Design that Wins Clients
Paperback
Series: Financial Professional Blueprint, Book 1
Publisher: Independently Published
Published: Sep 8 2026
Pages: 250
Weight: 0.75
Height: 0.53 Width: 6.00 Depth: 9.00
Language: English
Design what you can defend.
Indexed universal life is booming - and so are the problems: illustrations that flatter, funding that fades, max charge strategies nobody explained, and case files that can't answer one simple question years later: why was this recommended?
IUL Design 101 teaches indexed universal life the way strong advisors actually practice it: discovery first, the need derived on paper, honest illustration discipline, and a case file built to survive the three audiences every policy eventually meets - the client's family, the suitability desk, and a regulator reading it cold.
Then it proves the method twelve times: twelve client scenarios worked from fact pattern to documented design, with the arithmetic shown and the stress tests included.
Inside the Enhanced Edition:
- The DEFEND case file - six sections that turn best-practice design into a defensible paper trail
- Twelve design scenarios - the young family's death-benefit math, max-funded accumulation without the MEC surprise, the college case, the business case, the problem-policy rescue, and more
- Design Math Deep-Dives - the derivations behind every scenario, on one page each
- The Conversion Playbooks - step-by-step paths for whole life, VUL, and expiring convertible term
- Choosing the Index Menu - caps, participation, spreads, triggers, and charge-based high par strategies, with the five-year truth table that shows what each one really credits (including the negative floor nobody mentions)
- Premium Financing for HNW Clients - the honest mechanics, the twin-stress math, the ILIT and the full professional team, two worked case files, and the meeting-by-meeting playbook for pitching and closing seven-figure cases
- Rescue, replacement & review - the in-force rescue matrix, the replacement scorecard, and the annual review that keeps policies (and practices) alive
Who this book is for: life insurance agents and financial professionals who sell IUL - or are about to. New advisors get a complete operating system. Veterans get the compliance-first structure that turns production into a durable, referable practice. Field leaders get a training manual they can hand to every recruit.
Every number is hypothetical and carrier-agnostic. Every framework is reusable. Every chapter ends where your next appointment begins.
Part of the Financial Professional Blueprint Series - pair it with Annuity Design 101 for the complete case-design library.
Stop selling illustrations. Start designing cases that win clients - and files that defend themselves.
Also from
Kumar, Veervasanth
People Skills for Network Marketing: How to Recruit with Confidence, Sell with Trust, and Build a Winning Team in the AI Era
Kumar, Veervasanth
Nagamuthu, Selvaraj
Paperback
How Money Really Works: A Practical Guide to Building Wealth
Nagamuthu, Selvaraj
Athiappan, Ashok
Kumar, Veervasanth
Paperback
I Don't Know Anyone: The Network Marketing Prospecting Playbook: How to Find Prospects, Start Conversations, Follow Up, and Recruit-With Word-for-Word
Nagamuthu, Selvaraj
Kumar, Veervasanth
Paperback
Also in
Business General
Crucial Conversations Tools for Talking When Stakes Are High, Second Edition
Patterson, Kerry
Switzler, Al
Grenny, Joseph
Paperback
The Pig and I: The Tale of Our Relationship with a Beast We Eat
Endresen, Kristoffer Hattleland
Hardcover
Inspired: Understanding Creativity: A Journey Through Art, Science, and the Soul
Richtel, Matt
Hardcover
Quiet Girls Can Run the World: Owning Your Power When You're Not the Alpha in the Room
Holman, Rebecca
Paperback
Inclusive Conversations: Fostering Equity, Empathy, and Belonging Across Differences
Winters, Mary-Frances
Paperback
Climb: Taking Every Step with Conviction, Courage, and Calculated Risk to Achieve a Thriving Career and a Successful Life
Brown, Carolyn M.
Gadsden-Williams, Michelle
Paperback
The Token: Common Sense Ideas for Increasing Diversity in Your Organization
Farmer, Crystal Byrd
Paperback
Paris Chic & Trendy: Designers' Studios, Hip Boutiques, Vintage Shops
Ribes-Tiphaine, Adrienne
Paperback
The Let Them Theory: A Life-Changing Tool That Millions of People Can't Stop Talking about
Robbins, Mel
Robbins, Sawyer
Hardcover
The Reverse Centaur's Guide to Life After AI: How to Think about Artificial Intelligence--Before It's Too Late
Doctorow, Cory
Paperback
The Risk Worth Taking: A Story of Breaking Free and Trading for a Life You Love
Ijeoma, Teri
Hardcover
Hbr's 10 Must Reads on Managing Yourself, Updated and Expanded (Featuring How Will You Measure Your Life? by Clayton M. Christensen)
Gallo, Amy
Review, Harvard Business
Drucker, Peter F.
Paperback
Unreasonable Hospitality: The Remarkable Power of Giving People More Than They Expect
Guidara, Will
Hardcover
The Retire Sooner Method: The 5 Secrets Behind America's Happiest (and Unhappiest) Retirees
Moss, Wes
Hardcover
Hbr's 10 Must Reads on Mental Toughness, Updated and Expanded (Featuring How to Stop Worrying about What Other People Think of You by Michael Gervais)
Duckworth, Angela L.
Review, Harvard Business
Gervais, Michael
Paperback
1873: The Rothschilds, the First Great Depression, and the Making of the Modern World
Ahamed, Liaquat
Hardcover
The Goal: 40th Anniversary Edition: A Process of Ongoing Improvement
Cox, Jeff
Goldratt, Eliyahu M.
Paperback
How to Be a Rich Old Lady: Your Guide to Easy Investing, Building Wealth, and Creating the Wild, Beautiful Life You Want
Holden, Amanda
Hardcover
Take Breaks, Work Better: Measure Impact, Not Hours, and Transform Your Profitability
Briggs, John
Paperback
Crucial Conversations: Tools for Talking When Stakes Are High
Grenny, Joseph
McMillan, Ron
Patterson, Kerry
Paperback
How We Could: The Framework to Lead Without Drama, Build Alignment, and Call Teams to Greatness
Dorr, Alex
Hardcover
Surrender to Lead: The Counterintuitive Approach to Driving Extraordinary Results
Terry, Joe
Kriegel, Jessica
Hardcover
Money Unlocked: How to Make It, Keep It and Multiply It: The New York Times Bestseller
Lee, John
Paperback
The Freedom-Based Business Method: Reset, Systemize, and Realign Your Business to Live a Life of Harmony
Ellis, Natalie
Hardcover
The Courage to Commit: Embrace the Radical Power of Sticking with Something
Johnson, Shawn
East, Andrew
Hardcover
Hbr's 10 Must Reads on Leadership, Updated and Expanded (Featuring Begin with Trust by Frances X. Frei and Anne Morriss)
Ibarra, Herminia
Review, Harvard Business
Edmondson, Amy C.
Paperback
Who Moved My Cheese?: An A-Mazing Way to Deal with Change in Your Work and in Your Life
Johnson, Spencer
Hardcover
The Infinity Machine: Demis Hassabis, Deepmind, and the Quest for Superintelligence
Mallaby, Sebastian
Hardcover
The Millionaire Next Door: The Surprising Secrets of America's Wealthy
Stanley, Thomas J., PH. D.
Danko, William D., PH. D.
Paperback
The Daily Stoic: 366 Meditations on Wisdom, Perseverance, and the Art of Living
Holiday, Ryan
Hanselman, Stephen
Hardcover
Dummies Guide to Starting Your Own Business: Essential Steps to Launching and Scaling a Successful Small Business Venture
Press, Essywrites
Paperback
The Everywhere Millionaire: Who Is Really Rich in America and How They Got There
Zwick, Eric
Zidar, Owen
Hardcover
What the Heck Is Eos?: A Complete Guide for Employees in Companies Running on EOS
Wickman, Gino
Bouwer, Tom
Hardcover
7-Figure Educator: Turn Your Experience as an Educator Into Income, Impact, and Freedom
Jordan-Thomas, Erica
Paperback
The Mom Test: How to talk to customers & learn if your business is a good idea when everyone is lying to you
Fitzpatrick, Rob
Paperback
The Coaching Habit: Say Less, Ask More, and Change the Way You Lead Forever
Stanier, Michael Bungay
Paperback
Get Scalable: The Operating System Your Business Needs To Run and Scale Without You
Deiss, Ryan
Paperback
The Overthinker's Guide to Making Decisions: How to Make Decisions Without Losing Your Mind
Nguyen, Joseph
Hardcover
Confidence (HBR Emotional Intelligence Series)
Chamorro-Premuzic, Tomas
Review, Harvard Business
Kanter, Rosabeth Moss
Paperback
Stop Asking for Referrals: Build a Magnetic Business Through Intentional Care & Real Relationships
McNally, Flor de Maria
Paperback
Never Split the Difference: Negotiating as If Your Life Depended on It
Raz, Tahl
Voss, Chris
Hardcover
I Will Teach You to Be Rich: No Guilt. No Excuses. Just a 6-Week Program That Works (Second Edition)
Sethi, Ramit
Paperback
Influence and Persuasion (HBR Emotional Intelligence Series)
Cialdini, Robert B.
Review, Harvard Business
Morgan, Nick
Paperback
Hábitos Atómicos: Cambios Pequeños, Resultados Extraordinarios / Atomic Habits
Clear, James
Paperback
Twenty Minutes Is the New Hour: The Ambitious Woman's Guide to Doing Less and Achieving More
Hauser, Fran
Hardcover
A Guide to the Project Management Body of Knowledge (Pmbok(r) Guide) -- Eighth Edition and the Standard for Project Management
Project Management Institute
Paperback
Building Great Businesses: Create Momentum, Overcome Setbacks, and Scale with Confidence
Becker, Scott
Hardcover
Mindful Listening (HBR Emotional Intelligence Series)
Review, Harvard Business
Hougaard, Rasmus
Zenger, Jack
Paperback
A Little More Social: How Small Choices Create Unexpected Happiness, Health, and Connection
Epley, Nicholas
Hardcover
The Eureka Machine: Why AI Is the Key to Unlocking a New Era of Scientific Discoveries
Socher, Richard
Hardcover
Expecting Better: Why the Conventional Pregnancy Wisdom Is Wrong--and What You Really Need to Know
Oster, Emily
Paperback
Crucial Accountability: Proven Skills to Build Trust, Address Disappointment, and Get Results, Third Edition
Grenny, Joseph
Hale, Justin
Patterson, Kerry
Hardcover
Getting to Yes: Negotiating Agreement Without Giving in
Patton, Bruce
Fisher, Roger
Ury, William
Paperback
Power and Impact (HBR Emotional Intelligence Series)
Bregman, Peter
Review, Harvard Business
Cable, Dan
Paperback
Atlas of the Heart: Mapping Meaningful Connection and the Language of Human Experience
Brown, Brené
Hardcover
Take It Personal: How to Succeed by Building Relationships and Playing the Long Game
Grutman, David
Hardcover
Happiness (HBR Emotional Intelligence Series)
Review, Harvard Business
McKee, Annie
Gilbert, Daniel
Paperback
The Algorithm: The Hypergrowth Formula That Transformed Tesla, Lululemon, General Motors, and Spacex
McNeill, Jon
Hardcover
The Way of Excellence: A Guide to True Greatness and Deep Satisfaction in a Chaotic World
Stulberg, Brad
Hardcover
Mindfulness (HBR Emotional Intelligence Series)
Goleman, Daniel
Review, Harvard Business
Langer, Ellen
Paperback
Money to Burn: The Unvarnished Truth about Leon Black, Apollo, and the Rise of a New Wall Street
Cohan, William D.
Hardcover
Feedback That Works: How to Build and Deliver Your Message, Second Edition
Center for Creative Leadership
Paperback
Conversation: How to Connect with Anyone & Make Every Interaction Count
Van Edwards, Vanessa
Hardcover
Hbr's 10 Must Reads on Strategy, Updated and Expanded (Featuring the Five Competitive Forces That Shape Strategy by Michael E. Porter)
Kim, W. Chan
Review, Harvard Business
Porter, Michael E.
Paperback
7 Rules of Power: Surprising--But True--Advice on How to Get Things Done and Advance Your Career
Pfeffer, Jeffrey
Paperback
Beyond Belief: The Science-Backed Way to Stop Limiting Yourself and Achieve Breakthrough Results
Eyal, Nir
Hardcover
The Phoenix Project: A Novel about It, Devops, and Helping Your Business Win
Kim, Gene
Behr, Kevin
Spafford, George
Paperback
Hbr's 10 Must Reads on High Performance, Updated and Expanded (Featuring Nine Things Successful People Do Differently by Heidi Grant)
Goleman, Daniel
Review, Harvard Business
Grant, Heidi
Paperback