In this low-interest-rate environment, many investors need or desire exposure to equities, but want protection against protracted market losses, such as what happened between 2000 and 2010, or a dramatic drop, such as what happened to the stock market in 2008. Sooner or later, especially in light of recent gains in the equity markets, a significant decline is likely.
Many of these investors, especially those with longtime horizons, should consider a life insurance product called equity-indexed universal life insurance for a portion of their equity exposure. Also known as indexed universal life (IUL), this product attained dramatic gains in popularity in recent years because many investors, due to cash and conservative bonds offering such paltry yields, seek higher overall returns but crave downside protection.
Equity-Indexed Universal Life Insurance
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