Is Max Funded IUL A Retirement Planning Worth More of Your Time?

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There is a lot of discussion on whether Max Funded IUL is a good idea or not in a long-term project. During the strategy debates, the proponents indicate that Maximum Funded Indexed Universal Life offers a death benefit and tax-deferred growth correlated to market indexes which can offer greater returns than traditional whole life. Moreover, policy loans are possibly subject to tax free income depending on the conditions. The existence of caps, spreads, and fees is something that critics warn would lead to diminished performance. Compare a Max Funded IUL with Roth IRAs, 401(k)s and other vehicles to decide on the best fit needs before using it.

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