A lot of people online speak confidently about life insurance…but the numbers often tell a very different story. In this video, I’m breaking down REAL pricing for term, IUL, and whole life — and showing exactly why the “$20 jumps to $700” claim simply isn’t accurate. When you look at the actual premiums side by side, it becomes clear that the creator doesn’t fully understand how these policies work. And here’s the bigger point: People don’t choose permanent life insurance because it’s trendy. They choose it because term life is temporary — and not everyone wants coverage that expires. IULs give capped upside growth AND protection from market losses. For many families, that combination is exactly what makes them feel financially secure. So if someone says IULs only work for “10% of people,” my question is simple: What benefits does that 10% love… and why wouldn’t those same benefits help the other 90%? If you want an honest, detailed breakdown of how IULs actually work — without th...