IUL Kingdom

Breaking down Indexed Universal Life Insurance (IUL) in plain language for listeners of Legacy in Transit. He walks through the foundations of term vs. permanent life insurance, how IUL policies are structured, how cash value grows using caps, floors, and index credits, and how insurance companies use options to provide market-linked growth with downside protection. Keith also explains ways to design an IUL for death benefit or cash value focus, how to access policy cash value through withdrawals and loans, and the key pros, cons, and complexities to understand before deciding if IUL fits into your legacy plan.