Indexed Universal Life (IUL) insurance policies offer powerful tools for building and protecting wealth, thanks to the lock-in and reset features. These mechanisms work together to preserve gains and create new opportunities for growth, even during market volatility. Lock-in ensures that once your policy earns from market gains, those earnings are secured—they won’t be lost in future downturns. This protection shields your policy value from market crashes, offering peace of mind and eliminating the pressure to make emotional investment decisions. Reset further enhances growth by allowing new earnings to begin from a lower point after market declines, setting the stage for stronger recovery and compounding over time. This creates a stable, consistent path to long-term wealth that supports both retirement planning and estate strategies. Because your gains are protected and your earning potential resets after downturns, you gain a flexible, controlled approach to growing your financial legacy. With IULs, there’s no need to time the market—you benefit from market-linked upside without the downside risk, making it an ideal vehicle for those seeking both security and opportunity in their financial future.
source: https://iulmadeeasy.com/mastering-lock-in-and-reset-in-your-iul-policy/
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