Cons of Indexed Universal Life
- Con: Index Growth Options Are Capped or Diluted.
- Con: IUL Complexity Requires Ongoing Understanding.
- Con: No Guarantees Inside IUL's Rising Cost Structure.
- Con: Gains Are Taxed Instantly If Your IUL Policy Lapses.
有個熟人，非常的節儉，幾十年前了，在他女兒進大學前把錢放 IUL 裏了，好像說有利申請學費資助？不知道現在如何，如果公司在，如果他沒有動，應該回報不錯，當然不能和買蘋果的比了
