AMD Financial Services LLC Blog
IUL Basics: Benefits and Considerations
Indexed universal life insurance is permanent life insurance that may build cash value. Interest crediting is linked to an index formula, subject to policy terms.
Why it matters
An IUL is not a direct investment in the stock market. Policies may include caps, participation rates, floors, fees and insurance charges.
What to review
Long-term performance depends on premiums, policy charges, credited interest and policy management. Review an illustration carefully and understand which values are guaranteed and non-guaranteed.
This article provides general education only. Policy terms, benefits, charges and availability vary. Review official policy documents and consult appropriate professionals.
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