Why IUL Insurance Is Gaining Popularity When it comes to life insurance, many families want more than just a death benefit. Index Universal Life (IUL) insurance  combines the protection of permanent life insurance with the potential to build tax-advantaged savings . This makes IUL a smart choice for people who want to protect their loved ones and  grow wealth over time. What Is Index Universal Life Insurance? IUL is a type of permanent life insurance  that: Provides a death b

Average Term Life Insurance Rates in 2025 The average cost of term life insurance is significantly lower than whole life. For example, a healthy 30-year-old non-smoker pays only $26/month  for a 20-year, $500,000 policy. Average Monthly Premiums: 20-Year Term, $500,000 Coverage Age Female (Non-Smoker) Male (Non-Smoker) Female (Smoker) Male (Smoker) 20 $15 $18 $20 $25 30 $21 $26 $32 $40 40 $33 $42 $52 $65 50 $67 $81 $96 $120 Term life insurance is up to 90% cheaper  than whole