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  Index Universal Life insurance is a type of life insurance policy that combines a death benefit with a savings account that can accumulate cash value over time. The policy's cash value is linked to a stock market index, allowing it to potentially grow at a faster rate than traditional universal life insurance policies. The policyholder can use the cash value to pay premiums, take out loans or withdrawals, or leave it to accumulate over time.

  Term life insurance is a type of life insurance policy that provides coverage for a specific period of time, typically ranging from one to thirty years. If the insured individual dies within the term of the policy, the death benefit is paid out to the designated beneficiaries. However, if the policyholder outlives the term, the coverage ends and no benefits are paid.

  Whole life insurance is a type of life insurance policy that provides coverage for the entire lifetime of the insured individual as long as the premiums are paid. It also includes a savings component known as cash value which grows over time and can be accessed by the policyholder.

An annuity is a financial product that provides a series of payments over a specified period of time, typically used for retirement planning or to ensure a steady income stream.