12/06/25 80% of Indexes in Annuities and IUL's Average Low Single Digit Returns. 20% Average 10-12%. How to Find Them

Podcasts > Your Personal Bank

Your Personal Bank is a powerful financial tool often used by banks, corporations, and the wealthy.

No other financial vehicle comes close to giving you the advantages of a properly structured and maintained Your Personal Bank policy. The Your Personal Bank concept is often misunderstood by many people, including most legal, tax, and financial advisors. Lack of information and improperly structured policies are frequently the cause.

https://yourpersonalbank.com/

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Saturday, December 6, 2025

Index Annuities and Index Universal Life products sometimes receive a bad reputation due to low returns.

To win a horse race you need a fast horse and a good rider.

The index is the horse. An index that has a strong history of returns is more likely to continue significant future returns vs an index that has never produced decent returns.

The Index Performance Report shows the 1, 5, and 10 year returns of indexes offered by index annuities and index universal life policies. There are 50+ insurance companies and 600+ index options. About 80% of the indexes average low single digit returns while about 20% indexes of the indexes have 10-17% average annual returns for the past 10 years. The Index Performance Report is the only way to find the indexes that offer the highest potential returns.

Index returns are not typically public info. It is difficult to find. The Index Performance Report provides the return history. This is proprietary software. Very few advisors/agents have access to this info. Most are not aware this info is available. Without the index return history the agent/advisor has to rely on marketing recommendations and is mostly "flying blind". This is game-changing.

Ferenc also shares when to use and not to use a bonus and common misconceptions regarding cash (accumulation) value and guaranteed lifetime income.