Should You Fund an IUL If Your Employer Offers a 401(k) Match? Your employer offers a 401(k) match. You’re also looking at indexed universal life as another way to build retirement income. So which one should get your money? That’s where this conversation can get misleading fast. One person tells you: “Never give up free…
IUL or 403(b) for retirement? Compare employer contributions, taxes, market risk, RMDs, policy loans, life insurance and projected retirement income before deciding.
IUL or annuity for retirement? Compare income guarantees, taxes, liquidity, market exposure, policy loans, legacy value and retirement-income potential before deciding.
IUL and VUL can both build cash value, but they take very different approaches to market exposure and risk. See how those differences can affect retirement income.
IUL or whole life for retirement? Compare guarantees, cash-value growth, dividends, indexed crediting, policy loans, costs and projected retirement income before choosing.
IUL or taxable brokerage account? Compare taxes, liquidity, market exposure, policy loans, sequence risk, costs and retirement income before deciding where your next dollar should go.
Can you take money out of an IUL before retirement? See how withdrawals and policy loans work, what early access can cost, and how taking money out can change future retirement income.
How much death benefit should an IUL have when retirement income is the goal? See how insurance costs, funding, MEC limits and future JUMPs can change the answer.
An IUL illustration can show impressive retirement income without showing you what could go wrong. Learn which numbers, assumptions, loan costs and policy values to check before you buy.
What happens to your IUL loans when you die? See how outstanding policy indebtedness can affect the death benefit your beneficiaries receive and why loan management matters in retirement.