💡 “What Is an IUL? Explained in Simple Terms” 💼🛡️

💡 “What Is an IUL? Explained in Simple Terms” 💼🛡️
You’ve heard people say the wealthy use life insurance to build wealth… but how?
Enter the IUL — Indexed Universal Life.
It’s not just insurance — it’s a wealth-building tool disguised as protection. 🧠📈

🧾 Here’s the IUL Breakdown in Plain English:
1️⃣ It’s Life Insurance With a Twist 🛡️
Yes, it protects your family if you pass — but that’s just the beginning.

2️⃣ It Builds Cash Value 💰
Part of your premium goes into a cash account that earns interest — tied to the stock market index (like the S&P 500).

✅ You earn when the market goes up
❌ You don’t lose when it goes down (thanks to a floor of 0%)

3️⃣ You Can Borrow from It — Tax-Free 🏦
The cash value grows tax-deferred and you can borrow against it for anything — real estate, business, retirement, or emergencies — with no taxes or penalties.

4️⃣ It’s Like a Private Bank for the Wealthy 🏛️
The rich use IULs to store wealth, avoid taxes, and pass on tax-free generational money.

⚡️It’s protection + growth + access = one of the smartest financial tools you’ve probably never been taught.