Reviewed by Thomas J. Catalano Fact checked by Vikki Velasquez Key Takeaways Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed ...

Universal life insurance offers flexibility in premium payments and death benefit adjustments, allowing policyholders to adapt coverage to life’s changing needs. The policy builds cash value, which ...

The financial world is a vast landscape teeming with a multitude of investment options. Each one comes with unique advantages and disadvantages, making navigating challenging. Two such options often ...

This document shows how a policy can perform in certain scenarios, but the actual outcome might be very different ...

Many options are available when planning for retirement. Two popular options are life insurance retirement plans (LIRPs) and indexed universal life (IUL) insurance. Both offer a blend of life ...

There are two pretty entrenched camps on indexed universal life and annuities. And those two camps don’t seem to like each other very much. I wouldn’t classify the conflict on the level of the ...

It was a good year for life insurance sales. But problems with indexed universal life overshadowed some of that good news.

Indexed Universal Life (IUL) attracts its share of criticism. Most naysayers focus their disapproval on how IU is sold rather than the structure of the IUL policy. Yet, soon, I foresee a dramatic ...

How to choose a policy that provides lifelong coverage and often a cash value feature Written By Written by Insurance Staff Writer, WSJ | Buy Side Kimberly Lankford is an insurance staff writer at Buy ...

When it’s time to get life insurance, you need to understand your options. Both term insurance and permanent life insurance pay death benefits to a beneficiary but with some important differences in ...

Indexed universal life insurance offers flexibility in premium payments and the ability to adjust the death benefit. IUL policies include a minimum guaranteed crediting rate, or interest rate, which ...