"I always thought life insurance was something I wouldn’t need until much later, but my financial advisor showed me how an IUL could double as both protection and a long-term wealth strategy. What sold me was the ability to grow tax-advantaged cash value linked to market performance—without risking losses in down years. I’m now building a financial cushion while my premium is low, and I feel like I’m way ahead of the curve for retirement planning."

"Running my own business means my income can fluctuate, so I love the flexibility of my IUL. I can adjust premiums when cash flow changes, and the policy’s cash value has become a reliable asset that I can borrow against when I need capital. The market-linked crediting has grown my policy faster than I expected, all while protecting me from market downturns. It’s like having a safety net and an investment strategy in one."

"I bought my IUL later in life because I wanted to leave something meaningful for my grandkids without worrying about taxes diminishing the benefit. What surprised me was how the cash value gives me extra financial flexibility during retirement. Even on a fixed income, I feel more secure knowing I have a tax-advantaged resource I can tap into if needed. It has become a powerful part of my legacy planning."

"As someone who already maxes out traditional retirement accounts, I needed another place to grow money efficiently. My IUL has been an incredible tax-advantaged wealth-building tool. The indexed strategies have given me consistent growth without exposing me to market crashes, and the tax-free distributions in retirement are a tremendous advantage. I consider my IUL one of the smartest financial moves I’ve made."

"For years, I thought life insurance was only for the primary income earner. But learning about IUL opened my eyes to how much value it offers families. It protects our household if anything happens to me, and meanwhile the cash value grows every year—money we can eventually use for college, emergencies, or retirement. It makes me feel proud knowing I’m contributing to our long-term security."

"At first, I wasn’t sure if an IUL made sense at my age, but starting early has given me the advantage of super low premiums and decades for cash value to grow. It’s become part of my long-term business and retirement plan. The way it combines protection with tax-advantaged growth is amazing. I love knowing I’m setting myself up financially while I work on building my business."