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IUL

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    How Life Insurance Loans Work

    by Dave Henry January 27, 2022
    written by Dave Henry

    Updated August 7, 2024, at 1:30 PM

    Loans from cash value life insurance can provide tax-free income if the policy isn’t a modified endowment contract (MEC) and stays in force until death.

    Income will vary depending on many factors, including crediting rates, loan rates, insurance costs, and the type of loan or loan features the policy has associated with it.

    When you take a loan against an in-force policy, you’re not withdrawing the money from the policy itself. You’re taking a loan that the carrier is issuing to you and the carrier is using your policy cash value as collateral.

    Continue Reading
    January 27, 2022
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  • Product R + D

    IUL vs. GUL: Which Makes the Most Sense?

    by Scott Hall March 18, 2021
    by Scott Hall March 18, 2021

    Updated September 6, 2023, at 11:38 AM Years ago, I wrote an article sharing my take on the state of guaranteed universal life (GUL) products and how they stack up against IUL …

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  • Product R + D

    IUL Fees, Costs, & Illustration Manipulation Explained

    by FIG Marketing March 5, 2021
    by FIG Marketing March 5, 2021

    Updated February March 20, 2024, at 11:16 AM Put yourself back in 2005. Remember when you could count on your left hand how many carriers had an indexed universal life (IUL) policy? …

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