For families
Permanent life insurance is sold aggressively to families in their thirties and forties. These guides explain what the products do, what they cost, and when term is the better answer.
Indexed Universal Life
IUL is neither a scam nor a 401(k) replacement. It is a tax-advantaged accumulation vehicle with insurance costs attached — and those costs decide the answer.
9 min read · Updated September 2026
Indexed Universal Life
Whole life sells certainty. IUL sells upside and flexibility. The right choice usually comes down to how much variability you can tolerate at age 80.
8 min read · Updated August 2026
Indexed Universal Life
The tax treatment is real. The risk is that a loan-funded income stream depends on decades of favorable crediting and disciplined management.
8 min read · Updated July 2026
Indexed Universal Life
Two policies quoting the same index can credit wildly different amounts. The crediting method is where the difference lives.
7 min read · Updated June 2026
Whole Life Insurance
Whole life runs roughly 8-12 times the cost of comparable term coverage. Here is what that looks like in dollars at each age.
7 min read · Updated August 2026
Whole Life Insurance
The mechanics are legitimate. The marketing is not. Here is what a properly designed policy loan strategy does and does not deliver.
9 min read · Updated August 2026
Whole Life Insurance
A dividend is a refund of overcharged premium, not investment yield. Understanding that fixes most of the confusion around comparing carriers.
6 min read · Updated July 2026
Whole Life Insurance
The strongest argument is guaranteed future insurability. The weakest is using it as a college savings plan.
6 min read · Updated June 2026
Whole Life Insurance
Match the length of the coverage to the length of the need. Almost every coverage mistake is a violation of that single rule.
7 min read · Updated August 2026
Closer to retirement? Read the retirement income guides.