Guides & Resources

Plain-English answers, written to inform — not to pressure.

• How Does Indexed Universal Life (IUL) Actually Work?

  IUL mechanics explained honestly — index crediting, caps and floors, policy costs, and what an illustration really tells you.

• IUL Pros and Cons: An Honest Assessment

  The real advantages and disadvantages of indexed universal life insurance — who IULs genuinely fit, and the red flags that signal a bad deal.

• IUL vs. 401(k): Which Comes First?

  A clear-eyed comparison of indexed universal life and 401(k) plans — taxes, fees, limits, and the sensible order of operations for retirement savers.

• The Real Fees Inside an IUL (and How to Read Them)

  Premium loads, cost of insurance, per-unit charges, rider fees — every cost inside an indexed universal life policy, where to find them, and what is normal.

• Caps, Participation Rates, and Floors: How IUL Crediting Really Works

  The three levers that decide what your IUL earns — caps, participation rates, and floors — explained with real examples, plus the questions to ask before buying.

• Is an IUL Right for You? A Self-Assessment

  A straightforward checklist for deciding whether indexed universal life fits your situation — who benefits, who should pass, and the red flags in any pitch.