What is the difference between universal life and indexed universal life?
The main difference between whole life insurance and indexed universal life (IUL) insurance is how the cash value operates. Whole life insurance cash value grows based on a fixed interest rate. In contrast, insurance companies tie IUL cash value to a stock market index's performance.
What are the disadvantages in an indexed universal life insurance?
Some of the drawbacks include caps on returns and no guarantees as to the premium amounts or market returns. An IUL policy may be canceled if you stop paying premiums. In general, these policies are best for those with a large up-front investment who are seeking options for a tax-free retirement.
Can you lose money in an indexed universal life insurance?
It is unlikely you will lose money in an IUL because insurance agencies set a guarantee to your principal to protect it against losses in the market.
Is Indexed universal life an annuity?
Indexed universal life is an insurance contract in which your principal will grow on a tax-deferred basis. As in the case with indexed annuities, your money isn't invested in the market. Rather, the insurance company will credit you an interest rate that is tied to the performance of an index.
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[PDF] Indexed Universal Life ExpressSM - Legacy Agent
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[PDF] Indexed universal life insurance - Midland National
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