How Does Cash Value Grow Inside an IUL?
Follow an IUL premium through loads, insurance charges, crediting, and surrender adjustments. Learn why account growth differs from index performance.
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IUL & Cash Value
Explore indexed universal life, policy design, crediting, loans, and tax considerations.
Follow how premiums, policy charges and index-crediting terms affect cash value. Compare loan mechanics, design choices and tax questions using the actual illustration and contract.
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How Do IUL Policy Loans Work?
Understand IUL loan collateral, interest, participating and nonparticipating options, reduced benefits, lapse risk, and possible tax consequences.
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IUL Caps, Floors, and Participation Rates Explained
Use clearly hypothetical examples to understand IUL crediting formulas, caps, floors, participation rates, and why credited interest is not net policy return.
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Read articleIUL Designed for Cash Value vs Maximum Death Benefit
Compare IUL funding, death-benefit choices, charges, tax qualification, and MEC limits. Understand why two designs can serve different insurance goals.
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Read articleIUL vs Whole Life: Cash Value, Guarantees, and Flexibility
Compare IUL and whole life by premiums, guarantees, crediting, dividends, charges, loans, and the work needed to keep coverage aligned with your goals.
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Can Life Insurance Be Used for Retirement Income?
Explore permanent-policy cash access, long-term funding, loans, withdrawals, charges, reduced benefits, and the risks behind retirement-income illustrations.
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What Is a Modified Endowment Contract (MEC)?
Learn how the seven-pay test relates to permanent life insurance, why benefit changes matter, and how MEC loans and withdrawals can receive different tax treatment.
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