In Utah, Charlie Kirk was assassinated in front of his wife and two young children. In Charlotte, Ukrainian refugee Iryna Zarutska was killed on a train. Two very different lives, gone in an instant. These tragedies remind us that tomorrow is never promised — and why every family needs the protection of life insurance.

Life insurance doesn’t have to be confusing. This article breaks down Indexed Universal Life (IUL) in everyday language—so you can understand how it works, how it grows your money, and why staying informed leads to better financial decisions. Whether you're saving for retirement, protecting your family, or building long-term wealth, an informed choice starts here.