Only permanent life insurance policies, such as whole and universal life, offer loan options — term policies do not. Life insurance loans allow policyholders to access cash value without surrendering ...

Universal life insurance offers flexibility in premium payments and death benefit adjustments, allowing policyholders to adapt coverage to life’s changing needs. The policy builds cash value, which ...

Indexed universal life insurance (IUL) is a type of permanent life insurance designed for people who want lifelong coverage, adjustable premium payments and the ability to choose how their policy’s ...

Kimberly Lankford is an insurance staff writer at Buy Side. Edited By Written by Staff Deputy Editor, Buy Side Les Masterson is a staff Deputy Insurance Editor at Buy Side and has over 10 years of ...

Allianz Life Insurance Company of North America (Allianz Life) today launched Allianz Life Accumulator™ Indexed Universal Life Insurance Policy, a new Indexed Universal Life (IUL) insurance product ...

Life insurance protects a policyholder’s loved ones when they pass away. But life insurance may also come in handy during the policyholder’s lifetime if they want to apply for a personal loan. Some ...

Permanent life insurance generally provides coverage for your entire life and builds tax-deferred cash value. There are several types of permanent life insurance, including whole life insurance and ...

No one likes to think about the day when they or their loved ones will die, but it’s an important part of your finances. Life insurance can help to ease any concerns about what will happen financially ...

・Indexed Universal Life (IUL) combines permanent life insurance with a cash-value account tied to a stock market index. ・Growth is limited by caps and participation rates but protected from losses by ...

Reviewed by Thomas J. Catalano Fact checked by Vikki Velasquez Key Takeaways Indexed universal life (IUL) insurance lets the policyholder decide how much cash value to assign to an equity-indexed ...

Life insurance is most commonly known for providing beneficiaries with a death benefit upon the death of a provider, giving them a chance to recover financially and pay for major expenses like bills ...