Signed Away
Destiny Swapping With IUL Contracts
Indexed Universal Life Contracts rewrite the energetic timelines of middle-income American lives.
There are financial products that operate on a surface level as simple transactions, but beneath them exists a deeper layer few recognize: contracts that rearrange a person’s destiny.
Indexed Universal Life policies (IULs) fall into this category.
On the outside, they are marketed as enlightened solutions:
“Tax-free retirement. Market-linked growth with no losses. Wealth you can access for life. Be your own infinite bank. Etc.”
When you peel back the financial, structural, and energetic layers, you discover something more profound.
An IUL is not a retirement vehicle.
It is a life insurance policy aka ‘a life contract’ that slowly consumes itself while transferring the trajectory of your financial destiny to the insuring entity, and once you understand how these contracts actually function you see the metaphysical reality mirrored beneath the financial one.
You think you are swapping into a better financial destiny, but the insurance company is swapping into yours.
They gain the stability, the predictability, the compounding growth, the leverage, and the upside that you believe you are purchasing for yourself.
And they do it with your hard-earned money, your time, your premiums, your life expectancy, and your hope for a better future.
This exposé uncovers how it happens financially and metaphysically.
The Illusion of Empowerment: A Contract That Looks Like a Portal to a Better Life
When an IUL is presented to a middle-income family, it is pitched as a portal or a doorway out of uncertainty and into financial ascension.
The pitch feels and sounds metaphysical in nature.
“You’re protecting your future self.” “You’re building wealth safely.” “Your money grows even when the market crashes.” “You’re stepping into a new financial timeline.”
It all appeals to the human desire to escape a limiting destiny, but here is the truth hidden beneath the language: You do not step into a new destiny. You step into the insurance company’s energy field by signing your signature on their contract, even if you sign electronically.
They give you the illusion of growth while they extract the real growth for themselves. Because despite being “tied to the market,” the IUL does not give you the market. The cash account that builds or accumulates cash value is not an investment that provides direct market participation. It is an account that tracks the market via an index such as the S&P 500 for example.
An index is simply a measurement.
It is not an investment.
It is not a fund.
It is not something you can own. It is like a scoreboard that tracks the performance of a group of companies. For example: The S&P 500 is one of the most well-known indexes in the world, and it measures how 500 of the largest U.S. company stocks are performing overall. When the companies inside the index grow, the index goes up. When they lose value, the index goes down. But here is the part most people never learn: You cannot invest directly into the S&P 500 itself. You can invest in a fund that tracks it, but the index is only a measuring tool.
When an IUL says:
“You earn returns based on the S&P 500.”
“Your policy grows when the market grows.”
Most people imagine they are receiving a portion of real stock market returns.
But the insurance company is not giving you real participation in the index because:
You do not own stocks. You do not receive dividends. You do not receive the true market return.
Instead, the insurer offers something entirely different: A simulated return based on the index’s movement which is then reduced by caps and limits chosen by the company and placed on the cash value account as restrictions that do not give you all the growth of the market. For example:
If the S&P 500 goes up 12%,
you might only receive 3% if that is your cap.If the S&P 500 goes up 25%,
you might still only receive 4% if that is your cap.If the S&P 500 goes up 110% in an extraordinary year,
you might still only receive 2–6%, depending on the cap stated in your contract.
The company keeps the real upside. You receive the imitation.
The index is real. Your participation in it is not.
You only receive a controlled, restricted, watered-down crediting formula based on the index not the actual performance of the market.
The insurance company uses the index to market the dream of growth,
and then uses caps and limits to keep that growth for themselves.
This is not a wealth-building portal.
This is an extraction portal. A siphoning disguised as protection.
A metaphysical exchange where you relinquish the most powerful variable you possess: the destiny of your financial timeline and hand it to a corporation.
The True Structure of an IUL: A Self-Consuming Machine
An IUL has two sides: A life insurance component and a savings account (cash value) that earns limited interest. This duality is exactly why it fails long-term.
Metaphysically, anything built on two competing intentions eventually collapses. A divided house cannot stand.
Protection AND accumulation?
Insurance AND investment?
Stability AND risk?
It is duality in conflict yet presented as coherent, but financially, the fatal flaw is clear: The cost of insurance rises every year. Your premium does not.
In the early years, the premium you pay is enough to cover the cost.
But as you age and your mortality risk increases, the cost of insurance skyrockets.
Eventually, the cost of insurance surpasses your premium. At that moment, the policy begins to consume itself: The insurer silently drains your cash value to pay the internal costs that your premium can no longer cover.
This continues until one of the following happens: the cash value is depleted, the policy lapses, or the customer receives a shocking letter demanding hundreds more per month to keep it alive.
The metaphysical parallel is undeniable: You thought you were feeding your future. You were feeding the policy. And the policy was feeding the insurer.
Your destiny was not evolving.
It was being siphoned and consumed to sustain the contract you were bound to: while piling money into the investment accounts of the corporation.
The Energy Exchange
How Your Premiums Fund the Insurer’s Destiny And Not Your Own
The most metaphysically ironic part is this: You think the insurer is giving you growth, but it is your money that fuels their wealth. For decades, the insurance company: uses your premium dollars to invest freely, earn uncapped returns, keep the full upside, and give you back the smallest slice possible. It is a perfect metaphor for a destiny exchange: they use your energy to build their empire because you wake up to work each day in order to earn the money you pay them. Energetically, the contract tethers to your body, and each day you rise and work, you energetically feed the contract with your life force energy in the form of money. Meanwhile, you receive the illusion of progress.
Your money becomes their timeline leverage.
Your hope becomes their financial power.
Your belief in the product becomes their guaranteed growth. Your work ethic becomes their investment mule.
Meanwhile, your “retirement cash value” grows too slowly to retire with, it is capped at rates much lower than most index performance and is eventually consumed and reabsorbed back into the financial house of the insurer, leaving you with nothing.
Energetically, this is identical to entering a contract where: you bring vitality, they bring structure to control and drain it: you bring faith, they bring rules to direct it for their benefit: you bring time, they bring penalties for you to jump through to access it.
The moment you sign, your destiny and energetic timeline bends toward them. This “bending” subverts the trajectory of your future and realigns your destiny for the use of growing the company as opposed to growing the legacy you should leave for your children.
The Loan Illusion: Borrowing Back the Destiny You Funded
If you eventually build a decent cash value, you might think: “At least I can access this money.” But even that is an illusion because you cannot withdraw it outright. You do not have unrestricted access to the cash value and must pay interest to the insurer to borrow against it.
You must borrow your own destiny back and rent your own future from the entity that siphoned it. If you do not repay the loan, the insurance company deducts it from your death benefit. Your family receives less or nothing when you die. The legacy you imagined dissolves, even though you worked for decades and paid premiums monthly the entire time.
Many seniors die believing they secured wealth for their family, only for their loved ones to discover that the loan erased the very inheritance they were promised.
The metaphysical truth: Your future was collateral the moment you signed. Your past payments fed the system. Your death finalizes the exchange.
The Collapse: When the Destiny Swap Reveals Itself
Without expert oversight and ongoing premium adjustments, many IULs collapse under rising internal costs. Although IULs can be structured to perform better if massively overfunded, MOST middle-income buyers cannot afford the required overfunding, so the typical use case still collapses.
When customers reach their 60s, 70s, or 80s, the policy’s breaking point arrives. The letter comes: “You must pay $XXX or this policy will terminate.”
The new required premium reflects your age, the high cost of insurance, the depletion of your cash value, decades of capped growth, and most cannot afford it. So, the policy expires.
Years of premiums gone.
Decades of extraction complete.
The contract closes.
The insurer keeps everything. You and your family get nothing.
This is the moment the metaphysics become clear: The destiny swap is complete.
Your timeline collapses, and the insurer’s timeline strengthens as you scramble in old age to come up with enough money to cover the premium and keep your insurance coverage, or your family cannot bury you with dignity.
They used your belief, your money, your time, and your mortality curve to secure their future, not yours.
What Destiny Was Really Swapped?
When you sign an IUL, you believe you are choosing a new future, stepping into financial protection, building a legacy, securing retirement income, and rising into a wealthier version of yourself. In reality, the insurer is the one who enters a new destiny funded by you.
You swap your financial growth for limited returns, your retirement assets for rising costs, your cash value for internal charges, your future leverage for their guaranteed profit, your legacy for their risk mitigation.
They shift your timeline into uncertainty while shifting theirs into stability, and you fund their empire while believing you are building your own.
This is the purest expression of a metaphysical destiny swap.
You step into the contract expecting transformation. The transformation occurs, but only for the entity on the other side of the contract.
Why This Matters Now More Than Ever
Middle-income Americans are the most targeted for IUL sales because they are the most vulnerable to financial fear, generational uncertainty, retirement anxiety, the desire to “catch up”, hope for tax-free income, and lack of financial education.
Their yearning for a new destiny makes them prime candidates for a product that appears to offer one.
But what they receive instead is a spiritually and financially draining contract that redirects their destiny, their resources, and their legacy into the hands of an institution built to profit from their misunderstanding.
A Contract That Looks Like Protection but Functions Like Extraction
IULs are not inherently evil or malicious.
But they are fundamentally misaligned with the destiny they claim to create when marketed improperly. Agents routinely blur the line between insurance and investing, leading consumers to misunderstand the product.
They are restrictive when they claim to be liberating, consuming when they claim to be accumulating, limiting when they claim to be empowering, extractive when they claim to be protective.
In metaphysical terms: They distort the timeline you believe you are stepping into and overlay it with one that feeds the corporation instead of the individual.
In financial terms: They are life insurance policies with rising internal costs, capped growth, loan traps, and a high likelihood of collapse in old age.
In destiny terms: They are contracts that redirect your future into the hands of the entity that wrote the fine print.
But There’s Hope:
As a fiduciary investment counselor licensed with the Series 6, 26, 63, and 65 investment licenses, and additionally life licensed and licensed as a mortgage loan originator, I offer something rare in today’s financial marketplace: legal duty, professional transparency, and true investment oversight.
Many insurance professionals position themselves as investment experts when they are not authorized or qualified to structure, manage, or monitor retirement portfolios. Likewise, many licensed stockbrokers present themselves as fiduciaries, even though they are not bound by fiduciary law and hold no fiduciary license. They can only recommend stock products not design or rebalance a customized investment plan that supports a client’s long-term goals. This confusion is one of the greatest dangers facing middle-income Americans today.
A true fiduciary is legally obligated to act in your best interest, disclose conflicts, justify every recommendation, and continually evaluate and rebalance your portfolio to keep it aligned with your objectives. A stockbroker is not held to this standard. Their duty is transactional, not advisory. They can sell products, but they cannot build or steward a comprehensive investment strategy. And insurance agents selling IULs have no authority at all to provide investment advice yet routinely misrepresent themselves as retirement professionals.
This distinction matters. Your retirement depends on it.
Visit www.JaiReigns.com click the first link. I encourage you to download my Investor Report, which verifies every license I hold and outlines the fiduciary protections you gain when working with me. From the website, you can book an initial intake appointment through my calendar and begin replacing industry confusion with a personalized, transparent, and professionally managed financial roadmap designed for their highest good: not someone else’s commission or a corporation’s business growth.
Please consider subscribing to my newsletter for more, and SHARE THIS ARTICLE with a loved one you know has this destiny swapping contract known as an IUL.