Case Study: LTC vs IUL vs Whole Life for Care Planning at $300-$500/mo
A decision-focused case study comparing dedicated long-term care insurance, F&G Pathsetter IUL, and Penn Mutual Accumulation Whole Life designs at roughly $300…
Category: Universal Life
43 articles
Why Cash Value Matters in IUL: The Rising Cost of Insurance Problem
In an indexed universal life policy, the internal cost of insurance generally rises with age. Cash value matters because it can reduce…
IUL Renewal Cap Rates: Why F&G Looks Stronger Than Pacific Life and Lincoln
A side-by-side look at IUL cap rates and renewal cap rates shows why F&G appears stronger than Pacific Life and Lincoln for…
Guaranteed Universal Life vs Roth IRA: 2026 Comparison
Choosing between a Guaranteed Universal Life (GUL) policy and a Roth IRA isn’t really a “this or that” decision for most people…
Guaranteed Universal Life vs 401k: 2026 Planning Guide
Most people look at a 401k and a life insurance policy as two separate buckets that never touch. One is for when…
Guaranteed Universal Life Insurance: Build Wealth in 2026
If you’re looking into life insurance as a way to grow your money, you’ve likely heard a lot of conflicting advice. Some…
GUL Insurance for Tax-Free Retirement: 2026 Guide
You’ve probably heard a lot of noise about using life insurance as a “personal bank” or a way to fund retirement. Most…
2026 Guide: Guaranteed Universal Life & Cash Value
If you’re looking into permanent life insurance, you’ve probably heard that these policies build up a “bank account” inside them. That’s the…
GUL Insurance for High Net Worth Families: 2026 Guide
If you’ve built a significant estate, life insurance usually isn’t about making sure your mortgage gets paid or your kids can afford…
GUL Insurance for Business Owners: 2026 Strategy Guide
Most business owners I talk to aren’t looking for a complex investment vehicle when they buy life insurance. They already have a…
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