Indexed universal life insurance (IUL) has certain benefits and drawbacks. Discover how the cash value of IUL grows with ...

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

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, ...

Heckerling experts warn advisors about policy management risks and tax traps that can derail permanent life insurance ...

In its most basic form, life insurance is a contract between the policyholder and an insurance company that provides a cash payout to a named beneficiary if the policyholder dies under covered ...