Joshua Wahls, Author at Insurance By Heroes

All Posts By Joshua Wahls

VUL Guide 2025: Variable Universal Life Explained

Life insurance is a cornerstone of sound financial planning, providing crucial protection for loved ones. But navigating the world of life insurance options can feel overwhelming. You have term life, whole life, universal life, and then there are more complex variations like Variable Universal Life (VUL) insurance. Understanding these different types is key to choosing…

LM GUL Explained 2025: Is It Enough?

Understanding Your Life Insurance Options Beyond the Workplace Protecting your family’s financial future is paramount. For many, life insurance is a cornerstone of that protection, offering peace of mind should the unexpected happen. If you work for a large organization like Lockheed Martin, you might have access to employer-sponsored benefits, including options like Lockheed Martin…

Choosing Indexed Universal Life Companies: 2025 Guide

Navigating the world of life insurance can feel overwhelming, especially when considering options like Indexed Universal Life (IUL). You’re looking for security, potential growth, and flexibility, but the sheer number of choices and complex policy features can be daunting. Understanding how different indexed universal life companies structure their policies and what makes one potentially a…

IVUL Explained: Indexed Variable Universal Life (2025 Guide)

Navigating the world of life insurance can feel complex, especially when exploring options beyond basic term coverage. Permanent life insurance policies offer lifelong protection and cash value growth potential, but come in various forms. One sophisticated option you might encounter is indexed variable universal life insurance, often shortened to IVUL. Understanding IVUL is crucial before…

VUL Guide: Understanding Variable Life Insurance (2025)

Life insurance often brings to mind straightforward term policies or traditional whole life. But the insurance landscape offers more complex options designed for specific financial goals. One such product is variable universal life insurance, often shortened to VUL. Understanding what VUL is, how it works, its potential benefits, and significant risks is crucial before considering…

Hybrid Universal Life Explained (2025)

Planning for the future involves thinking about the unexpected. For many families, this means securing financial protection for loved ones through life insurance. But what about potential long-term care needs later in life? Healthcare costs, especially for assisted living or nursing home care, can deplete savings rapidly. This is where innovative solutions like hybrid universal…

Guardian Universal Life Review [2025 Update]

Navigating the world of life insurance can feel overwhelming. With so many types of policies and carriers, how do you choose the right one for your family’s future? Universal Life (UL) insurance is a popular option offering flexibility and lifelong protection, and Guardian is a well-respected name in the industry often associated with these policies.…

Equity Universal Life Insurance Explained (Updated for 2025)

Navigating the world of life insurance can feel complex, with various types of policies designed for different needs and goals. One powerful, yet often misunderstood, option is Equity Universal Life (EUL) insurance. If you’re looking for permanent life insurance protection combined with the potential for cash value growth linked to market indexes, EUL might be…

Convert Term to Universal Life? 2025 Guide

Life insurance is a cornerstone of financial planning, providing peace of mind and protection for your loved ones. Many people start with term life insurance because it’s affordable and straightforward, covering needs for a specific period, like while raising children or paying off a mortgage. But life changes, and your insurance needs might evolve. You…

Converting Term to UL Life Insurance: Guide for 2025

Life insurance is a cornerstone of sound financial planning, providing peace of mind and crucial protection for your loved ones. Term life insurance offers affordable coverage for a specific period, making it an excellent choice for many during their prime earning years. However, life circumstances change. What happens when your temporary coverage needs evolve into…

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