Free educational guide
IUL, Explained.
A practical guide to Indexed Universal Life insurance: cash value, tax treatment, policy design, and the questions smart buyers should ask.
Download the Free GuideEducational material only. Product features, availability, costs, and guarantees vary by carrier, policy design, and state.
What the guide covers
How life insurance protection and cash value work together
Cash-value accumulation mechanics
Index-crediting concepts, including caps, participation rates, and spreads where applicable
Policy charges and how they affect values over time
Surrender considerations
Loans and withdrawals, and their effect on cash value and death benefit
Non-guaranteed policy elements and lapse considerations
Why carriers and products differ
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