Indexed Universal Life Insurance

the term life insurance option

The Term Life Insurance Conversion Option

With Term Life Insurance rates being lower than ever before, there’s no wonder that so many policies are sold today, especially for consumers who need a very large death benefit in order to replace their income. Term life insurance rates are much lower than whole life, indexed universal life and universal life because the mortality.. More

indexed universal life

Best life Insurance Companies for Indexed Universal Life in 2018?

Indexed universal life insurance was created back in 1997 by Transamerica.  We now have more than 20 years of IUL history to draw from. We are still excited about using indexed universal life insurance as a way to accumulate cash on a tax-deferred basis and take an income stream on a tax-free basis. We have.. More

life insurance for spouse

4 Reasons to Buy IUL In Your 20’s – 30’s – 40’s or 50’s

Life insurance is one of the best products that you’ll ever purchase for your family, but it may not be one of the best investments that you’ll ever make. It can be confusing because of all the different options available. The life insurance market is constantly changing, and there have been several new kinds of.. More

LIRPs for average joe

LIRPs for the Average Joe

You are probably reading this because someone suggested that you look into a LIRP to help with retirement planning. It was probably an insurance agent with a tax-free retirement pitch. We feel that LIRPs or better known as a Life Insurance Retirement Plan can be a great supplement to your retirement income. Historically, LIRPs have.. More

life insurance retirement plan

A LIRP Is a Life Insurance Retirement Plan

A LIRP is a life insurance retirement plan that provides you with the tax-free advantages of a Roth IRA without all of the hassles.  As Americans watch the national debt to spiral further out of control, there’s a growing sense of dread.  In fact, as of July 2018, our nation has gone from a budget.. More

LIRP pros and cons

The Pros and Cons with Life Insurance Retirement Planning (LIRP)

As we have mentioned before and will discuss again, a life insurance retirement plan or LIRP is a robust financial planning vehicle used by consumers of all walks of life to build their own private pension plan.  With the uncertainty of social security and fewer and fewer employer sponsored retirement plans, a LIRP is a.. More

retirement

IUL – Used For Retirement?

Shopping for life insurance coverage, specifically indexed universal life insurance, can be a tough decision. When you decide to use IUL for retirement planning, you are usually making a choice that will last a lifetime. There are many companies offering indexed universal life insurance.  With so many IUL plans to choose from, you really need.. More

Ultimate IUL Guide

The Ultimate Guide to Indexed Universal Life Insurance

Transamerica introduced the first Indexed Universal Life (IUL) insurance in the late 1990s, and since then it has grown to be over 50% of all of the Universal Life insurance premium in force and over 20% of the total premium for individual life insurance.  While Indexed Universal Life insurance IUL has become a widely sold.. More

indexed universal life

What is Indexed Universal Life?

A Complete Guide to Indexed Universal Life Insurance First offered in 1997 by Transamerica, Indexed Universal Life Insurance (IUL) has seen tremendous growth over the last 20 years. Today there are around 40 companies that offer indexed universal life insurance and more joining the mix each year. What is Indexed Universal Life? Here is a quick.. More