The many variations of universal life insurance are almost always confusing to clients and, often, their agents. One of the most confusing is indexed universal life. In this article, we define the ...

Indexed universal life insurance offers flexibility in premium payments and the ability to adjust the death benefit. IUL policies include a minimum guaranteed crediting rate, or interest rate, which ...

Discussions with clients who want to jump into the weeds about indexed universal life insurance and annuities are a lot of fun. Drew Gurley These clients are in close touch with their future. First, ...