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    The Honest Guide to Indexed Universal Life

    A balanced look at IUL from a licensed agent who will tell you when it is the wrong product. Covers illustrations, fees, lapse risk, and the situations where IUL genuinely earns its place.

    How index crediting, caps, floors, and participation rates fit together

    Why an illustration is a projection, not a promise

    The fee layers most presentations skim over

    Warning signs that a policy was sold rather than designed

    A review checklist for an IUL you already own

    Where should we send it?

    The download starts immediately. No spam, and you can ask us to delete your details any time.

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    What else should you know?

    Does whole life build cash value?

    Whole life typically includes contractual cash values as premiums are paid. Early surrender values may be low, and dividends, if offered, are not guaranteed.

    Is IUL money invested directly in the stock market?

    IUL credits interest using a formula tied to an index rather than directly buying that index for you. Caps, participation rates, policy charges, and other terms shape the result.

    Does an index floor mean an IUL cannot lose value?

    No. An index-crediting floor does not eliminate policy charges or loan costs. Cash value can fall even when credited index interest is not negative.

    How do I check an older IUL?

    Request a current in-force illustration using realistic assumptions and review actual values, charges, loans, and premium history. Compare guaranteed and non-guaranteed scenarios rather than relying only on the original sales illustration.

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