IUL policies typically include a "cap" (a maximum credited return) and a "floor" (often 0%), meaning your cash value can grow when the index performs well, but won't lose value due to market downturns the way a direct stock investment would.
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Call (844) 658-4509Premiums and death benefits on an IUL policy also offer more flexibility than traditional whole life insurance, allowing you to adjust payments within certain limits as your financial situation changes.