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IUL insurance has a 0% floor that prevents your cash value from dropping when markets fall. You get zero interest in down years instead of losses, keep all prior gains locked in, and compound from a higher base when markets recover.
IUL insurance has a 0% floor that prevents your cash value from dropping when markets fall. You get zero interest in down years instead of losses, keep all prior gains locked in, and compound from a higher base when markets recover.
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IUL's floor rate, often 0%, keeps your cash value from dropping. No losses even in down years. You may earn zero in a tough year, but you never go negative. Your previous gains stay locked in and fully protected. Then when the index rebounds, your growth starts from a stronger position, compounding and building over time. This zero floor helps smooth out market swings, turning volatility into long-term stability and confidence. That's the power of an IUL. You skip the losses, yet still participate in the recovery when markets rebound.
