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“I always thought life insurance was something you buy when you’re old and rich. I’m young, still paying off student loans, and the idea of ‘another bill’ scared me. My agent showed me how an IUL could start small but still give me life coverage and a way to slowly build cash value over time. It felt good to know I wasn’t just paying for something I may never use—I'm building something that can help me later with a home purchase or starting a family.”

“Retirement is right around the corner for me, and my biggest fear was outliving my money. I’d been burned before when the market dipped, and I didn’t want that stress anymore. The IUL gave me life insurance plus a way to grow cash value linked to the market with some protection from major downturns. It’s not a get-rich-quick thing, but knowing I have another potential stream I can use in retirement makes me feel much more secure.”

“I came to this country with nothing. My dream is that my kids start life with more than I had. IUL made sense to me because it’s not just money if I pass away—there’s also cash value that can grow over time. I like knowing that one day I might help with a down payment for my son’s home or my daughter’s business, and if something happens to me, they’re protected.”

“My income changes every month, so I never thought I could do anything ‘long term’ like life insurance with savings. What surprised me about the IUL was how flexible it could be. We set up a premium that worked for my current situation, with room to increase when my income is better. I get life coverage now, and I like having a place where my extra money can potentially grow without me needing to become a full-time investor.”

“I help care for my aging parents and watched how quickly medical costs and living expenses can eat through savings. It hit me that if anything happened to me, my kids would be in the same kind of mess. The IUL gave me life insurance protection and a way to build up a pot of money I might use down the road—for health needs, emergencies, or to supplement retirement. It’s one of the only financial decisions I’ve made that makes me feel like I’m protecting both today and tomorrow.”

“I’m good at my job, but I’m not interested in becoming a stock market expert. I used to let my money sit in savings accounts because I was afraid of losing it. When I learned about IUL, I liked the idea that my cash value could grow based on an index without me choosing individual stocks. I get life insurance for my family, potential growth over time, and I don’t need to constantly watch the market or move money around. For someone like me, that peace of mind is huge.”