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Learn how indexed universal life insurance compares to term and whole life policies, including key risks, costs, and consumer concerns.

The allure of tax‑free retirement income has made indexed universal life (IUL) insurance policies popular investment products in Florida. However, many clients are convinced to buy in without ever being told the risks. Loans and policy costs can turn these “tax-free” promises into costly surprises. What Are Indexed Universal Life (IUL) Insurance Policies? IUL policies […]

William Bernard Tunink (CRD#: 2738224) formerly a registered Broker and Investment Advisor at LPL Financial LLC. Broker’s Background William Bernard Tunink entered the securities industry in 1996 and previously worked for Avantax Investment Services, Inc. and LPL Financial LLC. Current And Past Allegations Of Conduct Leading To Investment Loss  According to publicly available records released […]

Carmen Dean Morrone (CRD#: 1898874) is a registered Broker at Realta Equities, Inc, in Wantagh, NY. Broker’s Background Carmen Dean Morrone entered the securities industry in 1996 and previously worked at Essex National Securities, Inc., Dime Securities of NY, Inc., Royal Alliance Associates, Inc., Janney Montgomery Scott LLC, CIBC World Markets Corp., Prime Capital Services, […]

Larry Jefferson Tolbert (CRD#: 1054714) is a registered Broker at Integrity Alliance, LLC in Memphis, TN. Broker’s Background Larry Jefferson Tolbert entered the securities industry in 2000 and previously worked for AXA Advisors, LLC, Metropolitan Life Insurance Company, Metlife Securities Inc., Syndicated Capital, Inc., Saxony Securities, Inc., Saxony Capital Management, LLC, SunAmerica Securities, Inc., Householder […]

Broker’s Background   Brady Thomas Lipp (CRD #: 1359835) is registered with NI Advisors. He is located in Milpitas, CA. Lipp’s past employers include NI Advisors, Great Point Capital LLC, David A. Noyes & Company, ALPS Distributors, Inc., Taglich Brothers, Inc., Quasar Distributors, LLC, Jesup & Lamont Securities Corp, Credit Suisse Asset Management Securities, Inc., […]

Broker’s Background   Brian Eric Cantel (CRD #: 1743229) is registered with Berthel, Fischer & Company Financial Services, Inc. He is located in Flowery Branch, GA. Cantel’s past employers include Berthel, Fischer & Company Financial Services, Inc., BFC Planning, Inc., ING Financial Partners, Inc., Locust Street Securities, Inc. and Fidelity Equity Services Corporation.     […]

  Broker’s Background   Kent Eric Engelke (CRD #: 1421164) is registered with Capital Securities Management, Inc. He is located in Glen Allen, VA. Engelke’s past employers include Capital Securities Management, Inc., Davenport & Company LLC, Anderson & Strudwick, Incorporated, A&S Capital Advisors, Inc., Sovran Investment Corporation, Dominick & Dominick, Incorporated, First Investors Corporation.   […]

Broker’s Background   Mahmoud Elawadi (CRD #: 5319152) was previously registered with Wells Fargo Clearing Services, LLC.  He is based in Orlando, FL. Mahmoud Elawadi has been previously employed by Merrill Lynch, Morgan Stanley, and Morgan Keegan & Co.   Current Allegations of Conduct Leading to Investment Loss   According to publicly available records released […]

Indexed universal life (IUL) insurance is a type of permanent life insurance that ties a portion of its cash value growth to the performance of a stock market index, such as the S&P 500. Unlike traditional whole life insurance, IUL policies offer flexible premiums and the potential for higher returns, at least on paper. Consumers […]