IUL Illustrations Can Make The Future Look Too Polite.
Indexed universal life illustrations can look clean on paper, but caps, participation rates, policy costs, and funding assumptions do the real work.
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4 articles in this category
The Policy Is The Last Part Of The Life Insurance Conversation.
Life insurance gets clearer when the conversation starts with who would be financially stuck, not which policy sounds most sophisticated.
Read More →Term Life Is Really A Calendar Question.
Term life works best when the policy length matches the years someone would actually depend on your income, care, or debt payment.
Read More →Whole Life Is Not Magic. It Is A Tradeoff.
Whole life can provide guarantees and permanent coverage, but the premium, flexibility, and opportunity-cost tradeoffs need to be obvious.
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