Questions about indexed universal life
Ask how illustrations, charges and ongoing policy requirements fit together.
Separate illustration from guarantee
Ask which values are guaranteed and which depend on assumptions. An illustration is not a promise of future results.
Understand charges and limits
Request an explanation of policy charges, surrender conditions, caps, participation rates and how changes may affect the policy.
Discuss ongoing responsibilities
Ask what funding and monitoring the policy may need, including circumstances that could cause it to lapse. Review actual contracts and individualized illustrations before making a decision.
Check current official information: Official consumer resource ↗
Connect directly with an agent
Discuss your own circumstances. Agent profiles are self-reported; confirm licensing and availability.
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