IUL Comparison: Navigating Indexed Universal Life Insurance

The main difference between an IUL and a Roth IRA is their primary function and tax benefits. An IUL is a life insurance policy with a cash value component that grows tax-deferred, offering a potential source of tax-free income in retirement and an income-tax-free death benefit to beneficiaries.

The main difference between IUL and the S&P 500 is that IUL is a life insurance product offering a death benefit alongside its cash value component, which can grow tax-deferred based on the performance of an index like the S&P 500, but typically with caps at 11% and a 0% floor to limit downside risk.

The main difference between IUL and Whole Life for Infinite Banking is their cash value growth potential and flexibility. Whole Life offers guaranteed, steady cash value growth, providing predictability for long-term planning.

The main difference between IUL (Index Universal Life) and UL (Universal Life) is in how their cash value grows. IUL links its cash value growth to the performance of market indices like the S&P 500 or Nasdaq, offering the potential for higher returns but also carrying market risk.