How Variable Universal Life Insurance (VUL) Builds Cash Value — Subaccounts, Fees, and Market Risk Explained
Most people who sit across from a registered rep and see a variable universal life illustration hear something like this: your money goes directly into investment subaccounts — real market participation, real stock market returns. When the market rises, your cash value rises with it. The growth accumulates without current income tax. And in retirement, […]
How Indexed Universal Life Builds Cash Value
Most people who are shown an indexed universal life illustration hear a version of the same pitch: your money grows when the market goes up, and when the market goes down, a floor protects you. You get market-linked performance without market risk. It sounds like the best of both worlds — and for many buyers, […]