Lapsed: The Universal Life Insurance Whistleblower

Are you aware that your universal life insurance policy could lapse while you're still alive? Don't let this happen to you. We have a book that unveils the shocking truth about universal life insurance policies. If you own a universal life insurance policy or a group UL/VUL insurance policy from any life insurance provider, it is absolutely crucial that you purchase this book. Learn why your so-called "permanent" policy could suddenly cease to exist, even if you've been diligently making all your payments. Protect your investment by getting your hands on this eye-opening book today.

If you are an investor in the life insurance sector, this book is a must-read for you. Discover the enormous risk you're exposed to as an investor in bonds or equities. Our book sheds light on the hidden dangers lurking within the life insurance industry. We've conducted extensive research on over 5,000 MetLife individual UL and VUL policies, totaling an astonishing $1 billion in death benefits. Our findings will send shockwaves through the industry.

Author and financial advisor Elan Moas has painstakingly exposed the truth behind these policies, revealing how they are designed to fail rather than succeed. In Q1 2023, Moas presented his groundbreaking findings to the state of Massachusetts, the SEC, and even submitted two new whistleblower complaints based on his research. The truth is, a staggering 90% of these policies are likely to lapse before paying a death benefit.

Our research also uncovers the fact that lapsing UL and VUL policies are not just limited to MetLife; it's a widespread issue across the entire life insurance industry. We expose the dark side of "target" funding, where advisors and insurers prioritize their commissions over the long-term security of policyholders. Furthermore, we dive deep into the May 2023 IUL Actuarial Guideline 49B (AG49B) update, proving that IUL sales made prior to that date were based on inaccurate investment illustration assumptions. Brace yourself for the shocking revelations in our IUL chapter.

But that's not all. We also highlight the fatal structural policy flaws in group UL/VUL policies offered to entire states and Fortune 500 companies. We expose the heart-wrenching elder abuse stemming from older adults losing their cash values just before their policies lapse. It's time to take a stand against these industry-wide issues.

Don't be left in the dark. To ensure you have a clear understanding of your future policy projection, request your very own "in-force illustration" now. The life insurance industry's greed and regulatory oversight incompetence have set the stage for the impending "Subprime Universal Life Insurance Company Crash of 2023." Don't let history repeat itself. Visit www.MoasConsulting.com to learn more.