Cash Value Life Insurance: A Smart Guide to How It Works
Learn which life insurance policies may build cash value, how access works, and what loans, withdrawals, charges, and lapse risks can mean for coverage. Read more
Indexed Universal Life
IUL IRR Report: A Smart Guide to Reading Policy Performance
An IUL IRR report can make a life-insurance illustration easier to evaluate. Learn what the percentages mean, which values are guaranteed and how to compare policy designs fairly. Read more
Retirement Sequence Risk: 15 Smart Ways to Protect Income Near Retirement
Retirement sequence risk describes the danger that poor investment returns early in retirement can cause more lasting damage when a retiree is also withdrawing money. A market decline at age 40 can be uncomfortable, but continued contributions and decades of potential recovery may help. A similar decline immediately before or after retirement can be harder … Read more
401k Rollover Options: Can You Move Your Retirement Plan Into an IUL or Annuity?
Compare 401k rollover options, including employer plans, IRAs and annuities, and understand why an IUL must be evaluated as a separate life-insurance purchase. Read more
IUL Retirement Planning: Reducing Investment Risk Near Retirement
Explore how IUL retirement planning may provide another source of flexibility near retirement, along with the policy costs, limitations and risks that must be considered. Read more