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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
What Happens If You Cancel Whole Life Insurance? Cash Surrender Value, Taxes, and Alternatives
Canceling whole life insurance ends coverage and may trigger surrender charges or taxable income. Learn what to request and which alternatives to compare first.
Nathaniel Salburo
Oct 176 min read
Whole Life Insurance Dividends: How They Work and Why They Aren’t Guaranteed
Learn how whole life insurance dividends work, the common dividend options, and why guaranteed values matter more than projections.
Nathaniel Salburo
Oct 96 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
Can You Convert Term Life Insurance to Whole Life? What to Check Before the Deadline
Learn how term life conversion works, what can change, and which policy deadlines and costs to check before moving to permanent coverage.
Nathaniel Salburo
Oct 15 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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