Indexed Universal Life Insurance

Indexed universal life (IUL) insurance is a universal life policy that accumulates value through investments in a stock market index rather than the typical low-risk investments that most dividend-paying policies use to grow. However, IUL insurance policies guarantee a 0% floor so you won’t lose value, the policy just won’t grow. Because you have more investment options that can be customized, IUL policies will be more expensive than standard (GUL) policies.

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