An indexed universal life insurance policy (IUL) is a type of cash value life insurance plan. The policy can be used for supplemental retirement income when structured correctly. Here's how it works. As you pay the premium, some of your payment covers the costs of insurance and some builds cash value. The cash value is the money you can tap into while still alive. The growth of the cash value can be accelerated when the policy is designed with a small death benefit to minimize the internal insur
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