Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed account and to a fixed-rate account, if available. Indexed universal life is a ...

These complex products tie cash value growth to the performance of an index, but it’s important to understand the limitations and risks ...

Universal life insurance is a type of permanent life insurance that stays in place as long as you continue to pay premiums. Unlike whole life insurance, an investment savings element and policyholders ...

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 ...