Trades Life Insurance Guides | Blue Collar Workers Covered

Is IUL a Scam? An Honest Answer for Working Families

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Is IUL a scam? No. It is a state-regulated life insurance policy that is often sold badly. The critics' case, the design mistakes, and a pre-signing checklist.

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Indexed Universal Life Insurance Explained for Working Families

Blue Collar Workers Covered Editorial Team

Published on: 20/10/2026

Indexed universal life insurance explained: where premium dollars go, how caps, participation rates and the 0% floor work, loans, lapse risk and cost vs term.

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