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

Capital for Life’s IUL Survey 2026 reveals how high-net-worth investors are using Indexed Universal Life for planning, liquidity, and ...

Indexed universal life insurance (IUL) is a type of permanent life insurance designed for people who want lifelong coverage, adjustable premium payments and the ability to choose how their policy’s ...

・Indexed Universal Life (IUL) combines permanent life insurance with a cash-value account tied to a stock market index. ・Growth is limited by caps and participation rates but protected from losses by ...

We analyzed universal life insurance policy fees, cash value growth, the reliability of policy illustrations and more Written By Written by Insurance Senior Editor, Buy Side Amy Danise is the staff ...

What Is Universal Life Insurance? Universal life insurance offers permanent coverage with a unique twist—flexibility. Unlike other policies that lock you into fixed premiums and set death benefits, ...

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 ...

(StatePoint) Life is full of changes, transitions, growth—and sometimes disruptions. September is Life Insurance Awareness Month, making it the perfect time to consider a universal life insurance ...