Do Your Homework on Indexed Universal Life Insurance

The world of life insurance presents what feels like a never-ending array of products and choices. One of these emerging product structures, indexed universal life insurance (indexed UL), may be heavily marketed to your high-net-worth clients. Typically illustrated at rates higher than traditional policies, these indexed UL products appear to offer an opportunity to manage risk. The value proposition

The world of life insurance presents what feels like a never-ending array of products and choices. One of these emerging product structures, indexed universal life insurance (indexed UL), may be heavily marketed to your high-net-worth clients. Typically illustrated at rates higher than traditional policies, these indexed UL products appear to offer an opportunity to manage risk.

The value proposition seems simple, but proceed with caution: The mechanics of this product are compl

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