Whole Life vs IUL: Guarantee-Centric vs Flexible-Crediting Design
A practical comparison of guarantees, upside potential, management burden, and loan behavior risk.
Core Contrast
- Whole life emphasizes contractual guarantees and dividend participation.
- IUL emphasizes flexible funding and index-linked crediting formulas with moving parts.
- The right choice depends on behavior discipline and risk tolerance, not marketing slogans.
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