Protecting your family's future with life insurance is a cornerstone to a sound financial strategy. However, determining what type of life insurance is right for you isn't always easy: should you select term insurance, or should you choose a policy that has the opportunity to grow some cash value. Indexed Universal Life (IUL) insurance is one option that includes a cash value component and has grown in popularity, in part, because it has a reduced risk of loss in a down market.

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