Comparing Two IUL Illustrations: The Numbers to Put Side by Side
Use an IUL illustration worksheet to compare matched premiums, guaranteed values, charges, cap assumptions, loan terms and lower-crediting scenarios.
Category: Universal Life
44 articles
GUL to Age 90, 100 or 121: Compare Guarantee Lengths and Payments
Compare GUL guarantees to ages 90, 100 and 121 using matched illustrations, required payment schedules, cumulative premiums and continuation terms.
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…
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
Bottom Line Guaranteed universal life provides a fixed death benefit through its guarantee age if required premiums are paid. A Roth IRA…
Guaranteed Universal Life vs 401k: 2026 Planning Guide
Bottom Line A 401k builds retirement income; guaranteed universal life provides a death benefit through a selected guarantee age, with little or…
Guaranteed Universal Life: Wealth Preservation, Not Accumulation
Bottom Line Guaranteed universal life is designed to leave money to heirs, not build retirement cash. It offers little cash value to…
GUL Insurance for Tax-Free Retirement: 2026 Guide
Bottom Line Guaranteed universal life supports an inheritance goal rather than providing retirement spending money from cash value. Its death-benefit guarantee runs…
2026 Guide: Guaranteed Universal Life & Cash Value
Bottom Line Guaranteed universal life emphasizes death-benefit protection rather than cash accumulation. Any cash available for loans depends on the contract and…
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