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Importance

Importance

In a world of financial unpredictability, few tools are as critical to long-term stability as insurance. While often seen as a necessary expense, the true importance of insurance extends far beyond protection—it’s a foundational pillar of smart financial planning,...
Exclusions

Exclusions

When purchasing life insurance—especially a flexible, investment-tied product like Index Universal Life Insurance (IUL)—most people focus on coverage amounts, premium flexibility, and growth potential. But just as important as what your policy covers is understanding...
Limitations

Limitations

While insurance is designed to protect against risk, every policy has its boundaries. These boundaries are known as limitations. They define what’s not covered, how much can be claimed, when benefits apply, and under what conditions. Understanding these...