Are Equity-Indexed Life Insurance Products…

Equity-indexed life insurance products promise stock market-like returns with no risk of losing money (if market returns are negative, the return of the life insurance product will be 0%). These products can be very attractive to investors that have a lower risk tolerance, but still want to capture the upside of the stock market. As the market rises, the cash value of an equity-indexed policy rises with it; when the market falls, the cash value of the policy does not rise or fall.

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