The Unindexed Truth About Indexed Universal Life Insurance Indexed universal life (IUL) policies are often touted as powerful wealth building strategies, but they're also criticized for their complexities.
In reality, the truth lies somewhere in between. A Brief History of Complexity Life insurance has evolved from a simple risk management product to an investment vehicle.
Whole life insurance credits cash value at a fixed interest rate, while IULs tie cash value growth to market indexes like the S&P 500.