Discover Why Indexed Universal Life (IUL) Is One of the Most Dangerous Financial Products Being Sold Today
Learn The Hidden Truth The Industry Doesn’t Want You To Know—And The Alternative That Protects Your Freedom.
WHY YOU NEED
THIS BOOK
Most people don’t understand how IULs really work—until it’s too late. This book reveals the dangerous assumptions, hidden costs, and false promises that could cost you tens (or hundreds) of thousands of dollars.
The real-world consequences of getting it wrong
RIGHT WAY
• Sustainable Policy Growth
• Transparent Terms
• Long-term Value
WRONG WAY
• Unexpected fees and loss
• Misleading Projections
• Policy Lapses or Lawsuits
The real-world consequences of getting it wrong
RIGHT WAY
• Sustainable Policy Growth
• Transparent Terms
• Long-term Value
WRONG WAY
• Unexpected fees and loss
• Misleading Projections
• Policy Lapses or Lawsuits
This Isn’t Anti-IUL. It’s Pro-Truth.
This book isn’t here to bash life insurance.
It’s here to expose the hype, clear the confusion, and raise the bar for what real education
looks like in this industry.
If you're an agent who wants to lead with integrity and clarity this book is for you.
⚠️ Why most IULs
don’t perform
as illustrated — even in great markets
🔧 How insurance companies quietly shift terms after the sale to protect themselves
📉 Why “downside protection” isn’t what clients think it is
✅ What actually works when using life insurance as a tool for long-term wealth
This isn’t anti-IUL. It’s pro-client. Pro-education. Pro-doing-what’s-right.
What You’ll Discover
A breakdown of what’s inside the book
🚨 What’s Inside “IUL Exposed”? 🚨
🔹 The #1 biggest mistake people make when buying an IUL policy
🔹 Why fees & caps kill your growth (and how to spot the red flags)
🔹 The “hidden clause” that can drain your cash value over time
🔹 The truth about policy loans, market participation, and index credits
🔹 How to build real financial security with an alternative that works
Social Proof / Testimonials
David L.
Former IUL Agent
“This book saved me from a $100,000 mistake”
David L.
“I sold IULs for nearly 10 years—thinking I was doing the right thing. I didn’t realize how little I actually understood until I read this book. The information in IUL Exposed changed everything.”
Sarah P.
“Chris makes complex financial ideas simple and empowering.”
David L.
Former IUL Agents
Sarah P.
Former IUL Agents
Mark S.
Former IUL Agents
David L.
Former IUL Agents
Sarah P.
Former IUL Agents
Mark S.
Former IUL Agents
**Testimonials shown are from real readers, clients, and agents who changed their business after reading the book.**
CHRIS KIRKPATRICK
is the founder of LIFE180—a movement dedicated to elevating consciousness around money. He’s helped thousands of agents, investors, and families break free from financial misinformation and align their money with their values.
“This book isn’t about fear—it’s about truth, clarity, and reclaiming control of your financial future.”
Breakdown of what’s included with the book.
• ✅ IUL Exposed physical book
• ✅ Instant access to digital version
• ✅ Bonus: IUL Policy Audit Checklist
• ✅ Bonus: “7 Questions to Ask Any IUL Agent”
CHECKOUT: STEP 1