IUL Rescue

“Tax-Free Retirement”… or Ticking Time Bomb?

Many Indexed Universal Life (IUL) policies were sold with promises of market upside with no risk — but the projections behind them often don’t hold up.You could be paying more than expected… or be on track to lose coverage long before you planned.

What’s Going Wrong with IULs?

- Rising internal costs eating away your cash value- Underperforming returns due to cap rate reductions- Optimistic projections no longer matching reality- Poor communication from original agent or agency- Surprise: Policy may lapse in your 60s or 70s without more premium

We Offer a Free, No-Pressure IUL Policy Review

We specialize in reviewing IUL policies that were sold under the “tax-free retirement” strategy. If you’re unsure how your policy is performing — or what it will look like 10, 20, or 30 years from now — we’ll walk you through it clearly and honestly.Whether your policy is still salvageable or needs to be restructured, we’ll help you understand your options and next steps.

Here’s What You’ll Walk Away With:

A clear breakdown of how your IUL actually worksYour projected policy lapse date based on current performanceYour premium flexibility — and the risk if you stop fundingAvailable options: keep, fix, restructure, or replaceNo pressure. No sales pitch. Just clarity.

About Me

Joseph Di Giulio
Licensed Financial Professional | Life Insurance Specialist
Based in Newport Beach, CAWith over a decade of experience in the financial industry, I specialize in helping clients clean up underperforming IUL policies and rebuild with transparent, long-term solutions.I come from a competitive tennis background — a former UCLA athlete and coach — and bring that same focus, discipline, and integrity into every client relationship.

“All reviews are private and handled directly by Joseph. No pressure, no spam — just clarity.”