IUL FOR ASPIRING KNOW-IT-ALLs breaks down the good, bad, and ugly of Indexed Universal Life Insurance policies. Written by life insurance industry expert - Darren Sugiyama - this book explains many of the mysteries regarding how this controversial product works in real world situations. In this book, Darren explains how the crediting methodology works in regards to floors, caps, bonuses, and charges. Perfect for life insurance agents, financial advisors, CPAs, and estate planning attorneys, this book is also appropriate for clients that are considering using an IUL for insurance protection as well as a tool to enhance their retirement planning.