JLM Wealth Strategies

THE FIFTH EDITION PODCAST
EPISODE 66: IBC Principles for Whole Life Insurance PUA Riders

The Paid Up Additions (PUA) rider is one of the most well-known components of an "IBC-Style" whole life insurance policy.

Most people think PUA = Cash value. And while it can look this way in an illustration, that's not exactly true.

On this episode, we discuss the often misunderstood PUA rider, base-to-PUA premium ratios, and how designing policies with PUA as the primary (or only) focus can lead to significantly constrained and smaller policies.

Tune in and learn to love the base (premium)!

EPISODE 66 LINK:
https://www.thefifthedition.com/ibc-principles-of-whole-life-insurance-pua-riders/