Universal Life Insurance Explained

What Is Indexed Universal Life, and is it good or bad? Bobby Samuelson addresses indexed universal life insurance to give you the tools to determine whether it can work in a bad market environment. Does it work? You decide. An indexed universal life insurance policy issued by an insurance carrier that has a minimum guarantee where crediting of any excess interest is determined by the performance of an external index, such as the Standard and Poor's 500® index. An Indexed Universal Life policy is considered a moderate risk/moderate return insurance product.