IUL vs. Traditional IRA: Which Can Produce More Retirement Income?
IUL vs. Traditional IRA is more than a rate-of-return comparison. See how taxes, RMDs, market risk, policy loans, costs, and retirement income change the math.
IUL vs. Roth IRA for Retirement: Which Strategy Makes More Sense?
IUL vs. Roth IRA isn’t a simple either-or decision. Compare contribution rules, taxes, investment growth, policy loans, costs, death benefits, and retirement income.
What Happens If IUL Loan Rates Go Up in Retirement?
What happens if your IUL loan rate rises after retirement? Learn how policy loan interest can affect cash value, retirement income, loan balances, and lapse risk.
What Happens If IUL Caps or Participation Rates Go Down?
Can IUL caps and participation rates change after you buy? Learn how changing crediting terms can affect cash value, policy loans, and projected retirement income.
Can an IUL Lapse in Retirement? What Happens to Your Policy Loans?
Can an IUL lapse after you retire? Yes. Learn how large policy loans, loan interest, charges, lower crediting, and aggressive retirement income can put an IUL at risk.
Are IUL Loans Tax-Free? What the Sales Pitch Leaves Out
Are IUL loans really tax-free? Learn how policy loans are generally treated, why MEC status matters, and how lapse, surrender, basis, and large loans can change the tax picture.
Can You Lose Money in an IUL? How the 0% Floor Really Works
Can you lose money in an IUL even with a 0% floor? Yes, policy value can still decline. Learn how indexed crediting, fees, policy loans, and lapse risk really work.
Is IUL a Scam? What to Know Before Using IUL for Retirement
Is IUL a scam? No, but it can be misunderstood, poorly designed, or aggressively sold. Learn the real risks, costs, loan mechanics, and questions to ask before using IUL for retirement.
What Is a Matching Indexed Participating Loan in an IUL?
Not all IUL loans work the same way. Learn how a Matching Indexed Participating Loan can change the relationship between policy loans, indexed crediting, and projected retirement income.
IUL JUMP Strategy vs. 401(k): Which Can Produce More Retirement Income?
IUL vs. 401(k) isn’t just a return comparison. See how taxes, withdrawals, policy loans, insurance costs, and the IUL JUMP Strategy can change projected retirement income.