Unpacking Indexed Universal Life Insurance скачать в хорошем качестве

Unpacking Indexed Universal Life Insurance

Indexed Universal Life (IUL) insurance is often misunderstood — but when structured properly, it can be a powerful tool for long-term retirement planning. In this video, we break down what IUL is, how it works, and why many people use it to add growth potential, flexibility, and tax efficiency to their retirement strategy. You’ll learn: • What Indexed Universal Life insurance is and how it differs from traditional life insurance • How IUL cash value can grow based on market indexes while offering downside protection • Why IULs include a floor that helps protect cash value during market downturns • How flexible premiums and death benefits adapt as your financial situation changes • How tax-deferred growth and properly structured loans can support retirement income • Why IULs can help address longevity risk and extended retirement timelines We also cover how to integrate an IUL into a broader retirement plan by: ✔ Identifying future income gaps ✔ Planning for longer life expectancy ✔ Creating tax-efficient access to capital without liquidating other assets When used correctly, IULs offer a unique combination of growth potential, tax advantages, and strategic liquidity — helping build a more resilient retirement foundation. Educational purposes only. This content is not financial or tax advice. Policy features, caps, and guarantees vary by carrier and must be evaluated individually.