Most IUL policyholders don’t know their policy may allow them to lock in index gains mid-year — before a market pullback erases them. Here’s how the IUL lock feature works, what the trade-offs are, and what to ask before you sign.
When the market drops, does your IUL drop with it? This post breaks down exactly how indexed universal life insurance behaves in a down market — what the floor protects, what it doesn’t, and what it means for your policy design.
Caps, floors, and participation rates decide how much of the market your IUL actually captures — and most illustrations gloss over them. Here’s what each means and what to ask before you sign.
Most whole life policyholders assume the face amount is money they can access. It isn’t — here’s what cash value actually is and when you can really get to it.
One in four life insurance dollars sold now goes into IUL. Here’s what the LIMRA data shows and why the shift matters for your retirement plan.