Indexed Universal Life (IUL)

Separating Facts from Myths in the Cash Value Insurance Business

General observation about agent qualification, sales tactics, commission, product benefits, asset diversification and product research. The cash value insurance products and Annuities have a bad reputation for two reasons: sales tactics and agent commission. While the insurance products have evolved (see “Life Insurance Product Types”) to become complex financial instruments, the credentials needed to qualify

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IUL / FIA Credit Strategies and Capital Preservation Explained

IUL / FIA is a conservative alternative to direct investment in the Stock Market. It protects the principal while trading some performance for a much lower volatility. Investments like Indexed Universal Life (IUL) and Fixed Index Annuity (FIA) use an index crediting method to track their stock market return. Spread, Cap and Participation are the

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