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IUL Cap Rates, Participation Rates, and Spreads: How Indexed Interest Is Calculated
Learn how IUL cap rates, participation rates, and spreads shape indexed interest credits, with simple examples and an illustration-review checklist.
Nathaniel Salburo
Oct 196 min read
Can an IUL Policy Lose Money? Floors, Charges, and Lapse Risk Explained
A 0% IUL floor does not stop policy charges, loans, or withdrawals from reducing cash value. Learn what can cause losses and lapse risk.
Nathaniel Salburo
Oct 56 min read
How Does Indexed Universal Life Insurance (IUL) Work?
Learn how indexed universal life insurance works, including IUL cash value, caps, floors, participation rates, policy loans, illustrations, and key risks to understand.
Nathaniel Salburo
Sep 246 min read
How Does Whole Life Insurance Cash Value Work?
Learn how whole life insurance cash value grows, how policy loans and withdrawals work, and what to compare before choosing permanent coverage.
Nathaniel Salburo
Sep 236 min read
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