With the evolution of products today, the number of choices agents have to offer their clients can become overwhelming. One of the newer products on the market is indexed universal life (IUL). Sales of IUL products continue to grow but are still a fraction of the overall life insurance sales made in today’s marketplace. In addition, many top carriers still …

Most agents who offer index annuities to their clients understand the many benefits of the index annuity: annual reset, protection of principal, ability to participate in a variety of markets and tax deferral. However, one important aspect that is often overlooked is how these products can help protect our clients’ purchasing power of their dollars. Many people in retirement, or …