What happens when IUL policy loans stay outstanding for 20 or 30 years? Learn how cash value, loan costs, indexed crediting, policy charges, retirement distributions, and lapse risk can interact over decades.
When does an IUL policy loan become too large compared with cash value? Learn what to monitor as policy indebtedness grows and why the loan-to-value relationship can matter more than the loan balance alone.
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.