#permanent life insurance

3개의 글

July 3, 2026

Variable Universal Life Insurance (VUL) Explained 2026: Subaccounts, Market Risk, Fees, and How It Differs from IUL and Whole Life

A deep, honest guide to Variable Universal Life (VUL) insurance: how subaccount investing works, market downside risk, flexible premiums and death benefit, real fee and cost-of-insurance drag, tax-deferred growth and tax-free policy loans, plus VUL vs IUL vs whole life vs term-and-invest comparisons.

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June 22, 2026

Indexed Universal Life Insurance: What It Actually Is (and When It Makes Sense)

IUL insurance links your cash value growth to a stock index while protecting against losses. Here's how the mechanics work, who benefits, and what the critics get right.

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June 1, 2026

Indexed Universal Life Insurance (IUL) in 2026: What It Actually Is — and Who Should Avoid It

Honest, comprehensive guide to IUL: how index crediting works, caps and floors explained, real costs, who benefits, who doesn't, and how to evaluate a policy illustration without getting burned.

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