What Happens If You Stop Paying Into an IUL Early?
What happens if you stop paying into an IUL earlier than planned? See how reduced funding can affect cash value, policy charges, JUMPs, policy loans and projected retirement income.
Can You Overfund an IUL? How Much Is Too Much?
Can you put too much money into an IUL? See what “overfunding” really means, how MEC limits affect the policy, and how the JUMP Strategy can create additional policy funding.
What Is a MEC in an IUL? Why It Matters for Retirement Income
What happens if an IUL becomes a MEC? Learn how the 7-pay test works, why MEC status changes the federal tax treatment of distributions, and why policy funding and death-benefit design matter.
Is an IUL Worth It at Age 60? Is It Too Late to Start?
Is 60 too late to start an IUL? See how retirement timing, underwriting, policy loans, future JUMPs and a shorter accumulation period can change the retirement-income math.
Is an IUL Worth It at Age 55? What to Know Before Retirement
Is an IUL worth starting at age 55? See how a shorter retirement runway, insurance costs, JUMP approvals, policy loans and retirement timing can change the math.
Is an IUL Worth It at Age 50? What the Retirement Math Can Look Like
Is an IUL worth starting at age 50? See how retirement timing, health, insurance costs, future JUMPs, policy loans and projected retirement income can change the answer.
How Much Should You Put Into an IUL Each Year?
How much should you put into an IUL each year? See why $5,000, $10,000 or $25,000 can produce very different results and how policy design, MEC limits and the JUMP Strategy affect the math.
How Can $10,000 a Year Turn Into $60,000 of Annual IUL Funding?
How can a $10,000 annual contribution eventually support $60,000 of annual IUL funding? See where the additional money comes from, how the JUMPs work, what the loans cost, and what has to go right.
What Happens If You Borrow Too Much From an IUL?
What happens if you borrow too much from an IUL? Learn how growing policy loans can affect cash value, retirement income, death benefits, taxes, and lapse risk.
IUL vs. Buy Term and Invest the Difference: Which Is Better for Retirement?
Should you buy term and invest the difference instead of using an IUL? Compare costs, market growth, taxes, insurance, policy loans, and projected retirement income.