Based on your answers, an Indexed Universal Life (IUL) policy may fit your goals more than basic Term insurance.

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This usually means:

• Lifetime coverage is very important to you

• You like the idea of building tax-free cash value inside your policy

• You care about future retirement income, long-term care, or legacy

• You’re okay paying a bit more now for much more flexibility and benefits later

With an IUL, you can:

• Have lifetime death benefit (as long as funded properly)

• Grow cash value linked to an index, with no direct market loss

• Access money tax-free if structured correctly

• Use riders for Chronic/Critical Illness or Long-Term Care alternatives

💡 IUL is not for everyone — but your answers show you value long-term planning, tax advantages, and flexible benefits.

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