IUL can be a powerful tool — when it’s set up correctly. It offers permanent life insurance, potential cash value growth, and downside protection during market drops. But it’s not magic. Costs increase over time, performance matters, and poor design can cause problems down the road. That’s why IUL works best when expectations are realistic and the strategy is built conservatively from day one. If you’re considering IUL, Legacy Partners can help you decide whether it truly fits your long-term goa