Jeung Agency Blog

Choosing between an Indexed Universal Life (IUL) policy and a Term Life Insurance policy is one of the biggest financial decisions you'll make for your family. Both offer a death benefit — but they work very differently, and picking the wrong one could cost you thousands of dollars over your lifetime. In this guide, we break down the key differences between IUL and Term Life in 2026, who each policy is best suited for, and how to make the right choice based on your goals. Not

Most people buy life insurance thinking about one thing: what happens when they die. But here's the reality that insurance companies selling cheap term policies don't want you to think about: the odds are far greater that you will face a life-altering illness while you're still alive — and a standard term policy will pay you absolutely nothing. Not a single dollar. Not while you're fighting cancer. Not after a heart attack. Not while you're recovering from a stroke and can't