A lot of people are interested in Indexed Universal Life Insurance policy because they want to ensure their future financial security is safe. But just like anything else, it’s not ideal and has its disadvantages. So let’s discuss the usual issues related to IUL and what they could impact on you.

Market Risks

Complexity

Charges and Fees

Lock-In Periods

Variable Interest Rates

problems with indexed universal life insurance

Market Risks

The primary concern about IUL is the risk that the market could significantly decline. It’s unlike regular universal life insurance, where your cash surrender value continuously increases at a fixed interest rate. With IUL, it’s linked to something like the S

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