Indexed Universal Life (IUL) is a type of universal life insurance where interest crediting is tied to a market index like the S&P 500, but policyholders do not directly invest in the index, own the stocks, receive dividends, or have control over investment decisions; instead, the insurance company uses a formula to determine interest credited to the policy.
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What is indexed universal life insurance (IUL)?Added:
Index universal life is a type of universal life insurance with an interest crediting method tied in some way to an index, often the S&P 500. But, let's be very clear. You are not investing directly in the S&P 500. You do not own the stocks in the index. You do not receive the dividends from those companies. You cannot decide to sell when the market is high. Instead, the insurance company uses a formula to determine how much interest, if any, gets credited to your policy.
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