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Indexed Universal Life Insurance (IUL) – Complete 2025 Guide If you’ve been researching long-term savings or life insurance with investment benefits, you’ve probably come across Indexed Universal Life Insurance (IUL). It’s marketed as a “safe investment” that offers market-linked returns with life coverage — but is it really that good? Let’s find out how IUL works, its benefits, and also answer the question: 👉 “Why is IUL considered a bad investment?” --- 📘 What Is Indexed Universal Life Insurance (IUL)? IUL is a type of like permanent life insurance that offers: A death benefit for your beneficiaries, and A cash value component that grows based on a stock market index (like the S&P 500). However, unlike direct investments, your money doesn’t go into the market. Instead, your insurer credits interest based on the market’s performance — up to a cap rate (maximum return). --- ⚙️ How IUL Works 1. You pay regular premiums. 2. A portion goes toward life insuran...

🧠 Insurance for Youth in 2025 – Why It Matters More Than Ever Today’s youth face more financial responsibilities than ever — from education loans to first jobs, and even managing their health. That’s why insurance for youth has become a must-have, not just an option. Whether it’s health, life, or vehicle insurance, early coverage means long-term financial security. --- 💡 Why Insurance Is Important for Youth 1. Financial Protection: Covers unexpected medical or accident costs. 2. Builds Financial Discipline: Encourages saving and future planning. 3. Lower Premiums: Younger age = cheaper insurance. 4. Family Security: Helps dependents in case of emergencies. 5. Peace of Mind: Reduces financial stress during uncertain times. --- 🏥 1. Health Insurance for Youth Healthcare costs are rising, and even young people face risks of illness or accidents. ✅ Choose: Plans that cover hospitalization, doctor visits, and preventive care. 💰 Average Cost: ₹300–₹800/month in India or $15–$...