Downloadable guide
Free PDF — no email required.
This guide walks through Indexed Universal Life from first principles: the difference between term and permanent coverage, how premiums are split between insurance costs and cash value, how index crediting works, and — critically — how to read a policy illustration without being misled by the rosiest column.
What's inside
- The anatomy of an IUL policy, page by page
- Caps, floors, participation rates, and spreads, with worked examples
- The fee schedule: premium loads, cost of insurance, per-unit charges
- Funding strategy: why maximum-funded designs behave differently from minimum-funded ones
- Ten questions to ask before you sign anything
How to use it
Read it before any sales conversation. The goal is not to make you an expert — it is to make sure the first illustration you see is not the first time you have encountered these concepts.
Download the PDF using the button above. As with everything we publish, this guide is educational only and is not a recommendation to buy any product.
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