A. Generally, with IUL's attributes, it's the best solution for people with the following objectives:
- Seek accumulation and tax-protected gains for retirement income, college funding or other cash needs;
- Want to supplement a traditional/Roth 401(k), IRA, or 529 plan;
- Have higher income or are affluent with spare money to invest;
- Want to accept some market risks, but not the full market risks.