What happens if you build an IUL for retirement but die before the retirement-income strategy fully unfolds? The policy does not simply disappear. Here is how death benefit, cash value, outstanding loans, unfinished JUMPs, and beneficiary proceeds can interact.
What happens to your IUL JUMP Strategy if your health changes after the policy is issued? Learn the difference between existing coverage and future JUMP approval, and how a health change can alter the retirement-income projection.
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…
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.
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.
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.
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.
The IUL JUMP Strategy uses a Matching Indexed Participating Loan feature designed to change how policy loans interact with indexed crediting. Learn how the strategy works, what the projections mean, and what can go wrong.
Have after-tax contributions inside your 401(k)? Before rolling the whole account into an IRA, learn why pretax and after-tax dollars may deserve different destinations at retirement.
Have company stock inside your 401(k)? Before rolling everything to an IRA or Roth, compare Roth conversion planning with the special NUA tax rules that may apply to employer securities.