Indexed universal life insurance (IUL) is a permanent life insurance policy with a cash value component that earns interest based on the performance of a market index (like the S&P 500), subject to a cap and floor. The floor (typically 0-1%) protects you from market losses, while the cap limits your upside.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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