IULs are secure and will protect your retirement investment from potential losses. They are designed as a conservative asset, with a portion of your policy indexed to the stock market. While the potential gains are capped, you are also protected from any losses on your principle or cash value. The protected nature of these policies allow for a safe alternative to bonds and savings accounts. They also offer better value in terms of returns. For instance, the money market returns rank between 1% and 3%, while IULs have enjoyed up to 7% returns even when the stock market has underperformed. IULs generally have better flexibility and liquidity than money market options.
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