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A Closer Look at Indexed Universal Life Insurance

What’s changed in the past 10 years?

What a difference a few years makes. Back in 2010, we co-authored an article in Trusts & Estates entitled “Do Your Homework on Indexed Universal Life Insurance,” which covered everything from the basic mechanics of the product all the way up to advanced planning applications for indexed universal life (IUL) using premium financing.1 It was a timely piece. Although IUL had been available since the mid-1990s, it had only just begun to experience

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