Term, IUL, Annuities
Breaking down term insurance, indexed universal life, and annuities for your peace of mind.
FAQs
What is term insurance?
Term insurance provides coverage for a set period, paying out if you pass away during that time.
How does an IUL work?
An Indexed Universal Life policy combines life insurance with cash value growth tied to a stock market index.
What are annuities used for?
Annuities help provide steady income during retirement by converting a lump sum into regular payments over time.
Are term insurance premiums fixed?
Yes, premiums usually stay the same throughout the term period you choose.
Can IUL policies lose money?
IULs have downside protection, so your cash value won’t drop due to market losses.
What are the tax benefits of annuities?
Earnings grow tax-deferred, and you pay taxes only when you withdraw money, often at retirement.
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