O IUL (Index Universal Life) é vendido como um ótimo investimento, mas será que é realmente uma boa escolha para imigrantes brasileiros nos EUA?Olá, Rico na América! Neste vídeo, desmascaramos as promessas exageradas, mostramos os riscos ocultos e explicamos por que você pode estar entrando em uma armadilha financeira.Antes de assinar qualquer contrato, assista a este conteúdo e proteja seu dinheiro! 🚨💰------------------------------------------------------------------📌 REGULADOR DE IUL x REGULADOR DE INVESTIMENTO:https://www.forbes.com/advisor/life-insurance/indexed-universal-life-insurance-problems/#:~:text=The%20IUL%20Sales%20Problem,state%20as%20an%20insurance%20agent📌 APÓLICE IUL USADA COMO EXEMPLO:https://www.personalfinanceclub.com/is-iul-a-scam-yes/📌 CÁLCULO DE RETORNO DE S&P 500 (40 ANOS):https://www.calculator.net/interest-calculator.html?cstartingprinciple=0&cannualaddition=0&cmonthlyaddition=200&cadditionat1=beginning&cinterestrate=11&ccompound=annually&cyears=40&cmonths=0&ctaxtrate=0&cinflationrate=0&printit=0&x=Calculate#interestresults📌 RETORNO HISTÓRICO DO S&P500:https://www.macrotrends.net/2526/sp-500-historical-annual-returns📌 COTAÇÕES DE VALORES:https://smartasset.com/life-insurance/indexed-universal-life-insurance-quotes#:~:text=Age,Locationhttps://digital.fidelity.com/prgw/digital/termquote/📌 FONTES DE PESQUISA:- https://www.forbes.com/advisor/life-insurance/indexed-universal-life-insurance-problems/#:~:text=The%20IUL%20Sales%20Problem,state%20as%20an%20insurance%20agent- https://www.personalfinanceclub.com/is-iul-a-scam-yes/- https://www.fool.com/the-ascent/insurance/life/indexed-universal-life-insurance-iul/#:~:text=Instead%2C%20they%20use%20their%20chosen,are%20kept%20up%20to%20date- https://www.nerdwallet.com/article/insurance/indexed-universal-life-insurance- https://www.ramseysolutions.com/insurance/what-is-an-iul-account- https://www.ramseysolutions.com/insurance/indexed-universal-life-insurance- https://www.ramseysolutions.com/insurance/iul-investment-compared