With an IUL, cash value grows tax deferred. Policyholders can borrow against the cash value. These policy loans are generally not treated as taxable income as long as the policy remains in force.

IUL vs term life insurance explained in simple language. Learn the real differences in cost, risk, and long-term impact ...

Editorial Note: Forbes Advisor may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. If you’re in the market for a life ...

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 ...

What Is an Indexed Universal Life (IUL) Insurance? Indexed universal life insurance is an insurance product that combines a death benefit with an investment component. It is a permanent form of ...

College and other educational costs don't come cheap, making them a major financial hurdle for many families. Luckily, there are tools that can help you plan and save for these expenses. 529 plans and ...

Universal life insurance has always been a slippery slope for agents and, consequently, slippery for clients as well. Especially when you consider it was only created in 1979 and term life has been ...

AuguStar Life continues to round out its product lineup with a new indexed universal life offering. AuguStar launched Virtus Protection Indexed Universal Life Insurance earlier this month. The insurer ...

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 ...

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 ...

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 ...