Insurance companies are required to keep strong financial reserves and are backed by state guaranty associations that provide additional protection. Choosing a highly rated insurer further reduces risk.

Yes! IULs are flexible. You can increase, decrease, or even skip premiums if your cash value is sufficient to cover costs.

Stocks offer higher potential returns but come with market risk. An IUL provides tax-free growth, downside protection, and lifetime income-ensuring you never lose money in a market downturn.

Term insurance is cheaper but expires after a set period. Most people outlive their term policy and get nothing in return. An IUL provides lifetime coverage, cash value growth, and tax-free retirement income.

IUL costs cover permanent life insurance, tax-free wealth growth, and living benefits. Unlike a 401(k), which has hidden fees and market risks, an IUL's costs decrease as cash value grows.

The ideal contribution depends on your age, income, and financial goals. The more you fund early, the more compounded tax-free growth you'll have in retirement.

IULs allow your beneficiaries to receive both the cash value and the death benefit.

Absolutely! IULs provide tax-free wealth transfer, protection from probate & estate taxes, and a financial legacy for your heirs.