An IUL is an Indexed Universal Life policy, which can outperform your 401k. According to an article entitled "Juicing Your Life Insurance" published by the Wall Street Journal in 2010, it’s “This year’s hottest life-insurance product …well-suited to an era of sudden ‘flash crashes’ and overall uncertainty: it appeals to people eager to capture stock-market gains while avoiding undue risk.” It gives an individual an option to enjoy gains when the market is up without any risk of loss during times when the markets are down.


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