{"id":343,"date":"2026-03-27T17:00:00","date_gmt":"2026-03-27T17:00:00","guid":{"rendered":"https:\/\/www.harringtoninsuranceagency.com\/blog\/?p=343"},"modified":"2026-03-27T17:00:00","modified_gmt":"2026-03-27T17:00:00","slug":"iul-vs-term-life-insurance-best-choice","status":"publish","type":"post","link":"https:\/\/www.harringtoninsuranceagency.com\/blog\/?p=343","title":{"rendered":"IUL vs Term Life Insurance: Best Choice?"},"content":{"rendered":"<div class=\"video-zmyer\">\n<div class=\"video-frame-zmyer\">\n        <iframe loading=\"lazy\" width=\"640\" height=\"640\"\n                src=\"https:\/\/www.roomvu.com\/agent\/embed\/mike-harrington\/iul-term-insurance\"\n                frameborder=\"0\"\n                allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\"\n                allowfullscreen><br \/>\n        <\/iframe>\n    <\/div>\n<div class=\"video-description-zmyer\">\n<p>Life insurance protects dependents; it pays beneficiaries if you die, helping cover mortgage, childcare, daily expenses, or college costs.<br \/>\nTerm life covers 10, 20, or 30 years; if you outlive the term, the policy ends.<br \/>\nIUL is permanent if properly funded, with death benefit plus cash value credited by an index-based formula.<br \/>\nTerm is usually cheaper; IUL costs more, can have slow early cash value, and may lapse if underfunded.<br \/>\nFor most beginners, term fits primary protection needs; IUL may suit specialized, long-term, well-funded plans.<\/p>\n<\/p><\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Life insurance protects dependents; it pays beneficiaries if you die, helping cover mortgage, childcare, daily expenses, or college costs. Term life covers 10, 20, or 30 years; if you outlive the term, the policy ends. IUL is permanent if properly funded, with death benefit plus cash value credited by an index-based formula. Term is usually [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":344,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-343","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"_links":{"self":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/343","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=343"}],"version-history":[{"count":1,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/343\/revisions"}],"predecessor-version":[{"id":345,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/posts\/343\/revisions\/345"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=\/wp\/v2\/media\/344"}],"wp:attachment":[{"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=343"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=343"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.harringtoninsuranceagency.com\/blog\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=343"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}