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@tv0689 avoiding an IUL is the only advice you need about them.

@missmae So the design would be similar to the iul. Instead of being tied to just a few index options, you'd have like 80-100 mutual fund like options to build a portfolio

@missmae You can get a vul and pick sub accounts(basically mutual funds) so you'd have an s&p 500 index option among others to choose from

@missmae 2 parts to this. 1. Do you need a life insurance policy as an accumulation vehicle? Maxed out all other tax advantaged saving options? Life insurance can work well in this respect but if you ever need flexibility in premium payments then it's going to hurt the efficiency of the...

@kittyb Stick with the term

@jane3322 Good!!!!!