IUL Pros and Cons

IUL Pros and Cons

Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers both a death benefit and a cash value component. Like any financial product, an IUL has its pros and cons. It’s important to note that the specifics of any IUL policy can vary, so it’s crucial to carefully review the terms…
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IUL vs Roth for Retirement

IUL vs Roth IRA for Retirement

An IUL and a Roth IRA can both be used toward retirement. However, they function very differently and are entirely different vehicles, so should be considered independently. What is a Roth IRA A Roth IRA is an investment vehicle. It enables you to make post-tax contributions into an account that can then be invested in…
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IUL provides stability in retirement

An IUL Provides Stability in Market Downturns

As people approach retirement, a big concern is gaining stability during market downturns. Accessing cash from traditional investments and selling stock can really hurt your portfolio, and put your principal in a compromising position. An IUL can provide stability in market downturns in a way that allows you to keep your higher risk investments stable.…
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Using an IUL for Long-term care

Using an IUL for Long-Term Care

Did you know you can leverage a Indexed Universal Life Insurance ( IUL) for long-term care (LTC) needs such as assisted living or nursing care? An IUL is a great way to provide a stable option for long-term care. There are few ways this can be accomplished. Long-Term Care Rider Some insurance companies offer a…
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IUL Calculators – Do They Work?

While its tempting to try to get a quick answer regarding an IUL (indexed universal life insurance), or other type of insurance using a calculator, it is difficult to get an automatic quote using one. What is Indexed Universal Life insurance? Indexed Universal Life Insurance, more commonly known as an IUL, is permanent life insurance…
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Using an IUL for retirement stability

Using an IUL for Retirement Stability

An IUL, or Index Universal Life policy, can help provide stability in retirement in ways your investments cannot. You can gain peace of mind by leveraging a few aspects of your IUL policy. This will help you weather market turns, illness, and unexpected expenses in retirement with peace of mind. Cash accumulation First, an IUL…
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Business protection with life insurance

Business Protection with Life Insurance

When most people think of life insurance they imagine someone who wants to provide for a loved one in the event of their death. At it’s most basic, life insurance is designed to pay out a death benefit to the insured person’s beneficiaries.  What’s not so commonly known is that life insurance is an effective…
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IUl vs 401k for retirement

IUL Versus 401k for retirement

If you’re thinking through long-term investment opportunities, you may be wondering which investment strategy is better – an IUL (Indexed Universal Life) or 401k. Regardless of where you are in your investment process, both vehicles will help you grow investments toward retirement. But they are essentially different vehicles – one an insurance policy and another…
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FCC closes lead generator loophole

FCC closes “Lead Generator Loophole”

On December 13, the FCC closed the lead generator loophole with a set of regulations that make it more difficult for unscrupulous companies to harass consumers with unwanted phone calls and texts. The regulations will accomplish this by: Providers will have 6 months to become compliant, but many are ending the practice now, which should…
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Using Indexed Universal Life for Real Estate Investing

Using Indexed Universal Life for Real Estate Investing

One of the greatest benefits of Indexed Universal Life (IUL) insurance policies is that they offer a “cash value” component. The cash value of an IUL comes from a portion of your premium payments, and grows based on the performance of a stock market index, typically varying between 7 and 9 percent. This allows for…
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