An Indexed Universal Life (IUL) policy is permanent life insurance with a cash value account that grows based on a market index — typically the S&P 500 — with a floor (often 0%) and a cap.
The pitch is real: tax-deferred growth, tax-free policy loans in retirement, and a death benefit. The catch is also real: fees are front-loaded, caps can change, and a policy that's underfunded or surrendered early can cost more than it pays.
IULs work best when funded aggressively for 7–10 years, held long-term, and combined with other retirement vehicles. They're not a replacement for a 401(k) — they're a complement.
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