Which of the Best Digital SLR Cameras of 2019 is Best For You?

{Whether as a hobby or as a profession,photography is something that a lot of people find immensely satisfying. You can be as creative as you want with photography whether you do it as a hobby or as a profession. Nevertheless,if you’v got the wrong camera,it can be a challenge to enjoy photography and be creative. Most people would be satisfied with a point-and-shoot camera for taking photos,but if you truly want to take great photos (minus the help of Photoshop and other photo editing programs),you’ll need to invest in a digital SLR camera. DSLR cameras work the same as the earlier manual camera models. Determining which among the top digital SLR cameras is the best camera for you is not an easy task. Below are a few things that can help you make a good choice,though.|Nowadays,you can take great photos with the help of a digital camera or turn not-so-great photos into stunning ones with the help of software like Photoshop. However,if you plan to take photography seriously,you’re going to need more than a point-and-shoot camera and software. Serious photography requires some specific equipment. Your camera,obviously,is the most crucial piece of equipment. Number one on your list of things to-do is look at DSLR cameras. Below are some information on the top digital SLR cameras today and shopping tips to help you pick the best one for you.|Digital cameras have made it so much easier for people to get better at photography. Of course,with digital cameras,many people are able to pass themselves off as a photographer without really having any real skills. Nevertheless,a lot of people find photography a very rewarding hobby. The camera is,obviously,the most important piece of equipment in photography so you’ll want to think about the camera you want to use. If you’d like to be able to take great photos,a digital SLR camera is a better choice than a point-and-shoot camera that you’re likely used to. Below is information on some of the top-rated DSLR cameras and tips to help you pick the right one.|Today,you’ll find many cameras sold and just as many photo editing programs for manipulating photos. Creating photos that look professional or are of high quality is very easy these days. If you are serious about photography,though,you need to get a good Digital SLR camera.

Digital SLR cameras work similarly to manual cameras in that you have control over the shutter speeds,F-stops,and so on. If a photo you take comes out looking good,it’s because you configured the settings. You didn’t have to use software or set the camera on auto focus. So which DLSR camera should you buy? What do you to pick the right one? Below are a few tips you can use.|Do you have more than a passing interest in photography? If you do,you know that with the right software,it’s rather easy to tun a terrible photograph into a stunning one. However,photo manipulation using software isn’t really as satisfying as capture the perfect shot when you aim your camera. Enter DSLR cameras. With these cameras,you’ll be able to apply the technical aspects of manual photography in a more convenient way. In this article,we’ll discuss some of the best DSLR cameras today so you can find the best one for you.

If you are looking for a camera that will do more than what a basic DSLR do but isn’t as complex to use as the more advanced cameras,you can’t go wrong with the Canon EOS 7D. This is especially true when it comes to budgeting. For $1000 to $2000,you can own the Canon EOS 7D (base only). Perhaps the biggest disadvantage to this camera is that it’s got buttons that are so small they’re not easy to find. As a result,you can easily snap photos quickly. With the Canon EOS 7D,you’ll be able to do lot more than what you can do with a point-and-shoot camera or one of the more basic digital SLR models.

If you are new to photography or are new to technical photography (as opposed to the basic point and shoot snapshots most people take),the best DLSR camera of 2019 you can buy is the Canon E0S Rebel T3i with the 18-55mm IS II lens. Retailing between $600 and $1000,the Canon EOS Rebel T3i comes with all the features that novices will need for snapping professional quality photos. It doesn’t have an advanced or articulated LCD but it does have great video capturing capability which makes it great for people who do video blogging or who need video as well as still shooting capability but don’t want two different pieces of equipment.|The Nikon D5100 with the 18-55mm lens is a great base model digital SLR camera. Unlike the fancier models that cost thousands of dollars,the Nikon D5100 is a lot cheaper. You can get one for under $1000. This digital SLR is newbie friendly,with features that make it very easy for beginners to master manual photography. If there’s one major problem with this DSLR camera,it’s the lag time between shots. Just like the other cameras by Nikon,the Nikon D5100 isn’t going to perform very well when you want to take motion-based shots.|The Nikon D5000 with the 18-55mm lens is a good camera for you to buy if you’ve been taking photos mainly with a point-and-shoot digital camera and you’d like to try your hand at manual photography. This Nikon camera is designed specifically for novices. This camera is not inexpensive. It will cost you close to $1000 to own it. It’s well worth the price,though,because the Nikon D5000 will allow you to capture high quality,professional looking photos. The great things about the Nikon D5000 are that you’ll be able to take photos quickly (Nikon is well known for having some lag time when you’re taking a photo) and produce high quality videos.

The camera comes with a nice lens as well.|If you’ve been into photography for a while,you’ve probably developed some pretty solid skills. This would suggest that a basic DSLR camera wouldn’t be sufficient for you. If you are looking for a DSLR camera that shoots professional quality photos,you can’t go wrong with the Canon EOS 5D Mark III. This particular Canon camera isn’t cheap. The body of the camera will set you back at least $3500 and you’ll have to pay separate for the lens. Despite its high price tag,this Canon EOS digital SLR sports features that are so much better than the features you’ll find in the more basic DSLR cameras,and you can expect the photos to be of higher quality. Also,this camera is highly configurable.} {Among the electronic brands today,Nikon and Canon are the two that most people think of when it comes to professional cameras. However,the Olympus E-3 is an excellent digital SLR camera. The base model retails for about $1500 and you’ll need to purchase the lenses. This camera has a flexible LCD display,enabling you to snap pictures from angles that may be awkward if you were using any other DSLR camera.

Do you want to explore your photography options without blowing your bank account? The Canon EOS Rebel T2i is the ideal camera for that. You can own this camera for under $1000. The Rebel T2i can accommodate a lens up to 18 megapixels. The Rebel T2i doesn’t have the fancy features you’ll find in many of the more advanced models. Nonetheless,it’s the perfect camera to get if you want to start taking high quality,professional looking photos without necessarily breaking the bank.| A top-rated digital SLR for people who are new to manual photography is the Canon Rebel XS. It’s easy to find one of these cameras for less than five hundred dollars. It’s an excellent entry level DSLR camera that allows novices to learn the basics of manual photography without having to spend a lot of money on the more expensive cameras. When it come to physical looks,the Canon Rebel XS doesn’t hold up to the other cameras. In addition,many users find the viewfinder display an annoyance. It’s the ideal camera,though,if you’re ready to move from a basic point-and-shoot camera to a DSLR camera because the Canon Rebel XS takes great photos.| The Canon EOS Rebel T1i is yet another basic digital SLR camera. This particular Canon EOS model is perfect for you if you’re totally new to manual photography. You’ll be able to learn without spending a lot of money. The Canon EOS Rebel T1i costs $500-$700. At this price,this camera is one of the cheapest in its range. There are a few annoying things about it,but the quality of photos it can capture will more than make up for that. One nice thing about this camera is that it’s got a 3-inch LCD screen. This is certainly a nice advantage considering most of the DSLRs today have smaller screens.

Another one of the top digital SLRs today is the Nikon D800. This particular digital SLR isn’t for those who are looking for a budget camera. For the body alone,you can expect to shell out at least $3000,and the “kit” lens costs extra. The lenses aren’t cheap either. The camera is well worth its price because its design is streamlined and it takes photos and videos that are high quality. The one major problem with this DSLR camera is the short battery life so you’re going to need to have backup batteries with you at all times.} {Perhaps the most important thing to think about when you are shopping for your digital SLR camera is your budget. If you’re a photography novice,a higher end,more expensive digital SLR camera isn’t the ideal one for you at this point when you’re still learning the basics. While you’re learning the basics of photography,a basic digital SLR camera is ideal. You can invest in a more sophisticated DSLR camera later on once you’ve mastered the basics and are confident enough about your photography skills. Many basic models today are sold at prices that won’t break your bank account. So take the time to figure out just how much money you can afford to spend on a digital SLR and then look at the top DSLR cameras that are within your budget.|Don’t start shopping for a digital SLR camera unless you sit down and figure out what exactly do you want in a camera. Knowing this you’ll be able to narrow down your list of cameras to look at.

Do you like taking close up or detailed pictures? Are landscape style shots more your thing? Is video something you’d want to do also? These are just some of the things you’ll need to consider before you begin your search for the right DSLR for you.|One thing you need to realize is that there isn’t a single digital SLR camera that will meet all of your photography needs simultaneously. Ask yourself first what kind of photography you’re interested in. Based on that,you’ll be able to determine the features you want in a camera as well as the lenses to get. There is,for example,a big different between portrait photography and sports photography and so their shooting criteria would be different as well. Macro and standard photography are two different beasts altogether. When you know exactly what kind of photography you want to pursue,you can narrow your search to the cameras that will let you do that kind of photography. You can explore other areas of photography once you’re no longer a novice.|When it comes to shopping for a digital SLR camera,you’ll need to figure in the extra costs that come with having a DSLR. One of the things you should consider is the base model price. Also,you’ll have to consider how much you’re going to end up spending on the lenses. You may find an inexpensive body,but that’s of no use to you if the lenses for it costs thousands of dollars. When you’re looking at digital SLR cameras,take a look at the cost of the lenses too.|Don’t start shopping for a professional digital SLR camera until you’ve made an objective assessment of your actual skills in photography

If all you have ever done is point and shoot photography,you should definitely start out with one of the baser models of DSLR that are out there. This will help you get a good feel for a digital SLR. However,DSLR cameras can be incredibly helpful if you’ve been doing manual photography for many years. Don’t start shopping until you’ve taken a critical look at your photography skills you possess. That way you won’t get suckered into buying a camera that is too much for you too soon (which could ruin your love for taking photos altogether).} {Digital SLR cameras come in a variety of brands and models today. In this article,we provided you with information on some of the best digital SLR cameras on the market today. We also shared a few tips you can use when you’re shopping for a camera. Make sure you do your research because that will help a great deal when you’re shopping.| Know that it’s not a quick or easy process to determine which DSLR camera is the one that’s best for you. The digital SLR cameras available today are made by many different companies and have varying features so you just can’t simply walk into a store and buy one. Use the tips in this article to help you narrow down your field of choice. Above all else,do your research before you buy! The last thing you want is to end up with a camera that won’t meet your photography needs.| There is no shortage of DSLR cameras these days. As a result,it can be a real challenge to shop for the best digital SLR camera for you. Essentially,a lot of it depends on what kind of photography you’re interested in pursuing. However,if you take the time to learn about each of the cameras you’re interested in buying,you’re likely to find the one that best suits your needs. Use what we’ve talked about here to help you narrow the field and make a more informed decision.| There are lots of things to consider when you are shopping for the best Digital SLR cameras of 2019. We’ve discussed a couple of the top digital SLR cameras on the market today,as well as provided you with some tips that could help you find the best one for you. The most important thing,though,is that you should never forget to have fun! You’ll find that photography is very rewarding both as a profession and hobby,and you can experience this yourself if you allow yourself to enjoy the process.

It’s hard to pick the best DSLRs of 2019. And it’s much more of a challenge to choose the best one for you. You can narrow your list down if you apply the tips we shared in this article. As you do more research on each camera you’re considering,you’ll be able to find the right camera for your needs.} {Now that you know a bit more about More Info,you can easily see the important part it plays. However the situation does not always remain predictable,and it is usually not so easy to see where things are going. That is what usually can cause certain issues to come into play. That should give you reason enough to have the desire to branch out and explore other areas for research. Still,that should not be any kind of problem considering the vast expanse of the web. But exercise this with responsibility so you only get the best information. There is too much unreliable information floating around; so keep your wits about you and stay alert.|One does not have to look far to see how expansive the influence of More Info really is. It is completely normal for all of us to just go along with life until problems begin to arise,and then we take notice. Probably the best defense against such situation is paying attention to your thoughts and keeping your eyes wide open. We are much more reactive to things because we tend to wait until it is happening,and there is less thought about preventing something.

That really is true pretty much across the board,and it is only after something starts happening that we begin thinking about it. That is why we always urge those we communicate with to become knowledgeable and keep learning.|As it relates to this particular area of concern,what are your feelings after getting this far? They really can be very beneficial for you to know about and understand and hopefully for obvious reasons. But remember that sites pertaining to More Info are definitely out there and ready to be explored – some being better than others. Before you try to take any kind of solid action,be very sure of what you want to do and how you plan to approach it. Another thing,though,is that as you probably know very well; you can locate excellent related content that will be helpful. There is much more even if you take just one method or strategy and explore it to the fullest.|The feedback about this is typically along the lines of surprise reactions when people read about More Info,here. Perhaps you do not need comprehensive knowledge,but having that will always help and never hurt. One glaring side-benefit to pursuing this research is all the mundane little points that will truly provide the glue that binds it all together. What we find valuable is augmenting our source knowledge with related searches that are based on sub-topical interests. Then,since you know it is important,simply drill down to discover more about it. Whether you choose to commit to more timely research is of course you decision,and we find many people do exactly that.

Discovering more about More Info is much like anything else in that you will have to resolve things along the way. It is a little amusing about the internet in that so many ordinary people feel this great desire to create content – we think it is great. It can be very frustrating due to so many people being involved in one area and contributing a lot of information. These tips are something that almost demand that your information and sources be authoritative. After awhile you will become very adept at separating truth from fiction.}

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What to Do When You Notice Signs of Problems with DrainsWhat to Do When You Notice Signs of Problems with Drains

The first thing that any homeowner should do when problems with drains or seepage occurs is to not run immediately for the drain cleaner but instead call on the professionals to come out and inspect the pipes for cleaning and repair. A plumber can quickly determine where the problem is and take measures to get it repaired,usually within the same day. When they are installed in a home,sewer pipes usually have clean out plugs that can be immediately checked for clogs,without having to dig up the ground around a home.

Best plumbing service in the county

Alternatively,if it is determined that pipes will have to be replaced due to a faulty septic system,it may entail more digging and reconstruction that could have been prevented if it had been better maintained in the past.

Types of Repairs

For minor repairs to pipes,as is the case for a pipe that has cracked due to shifting or pressure,a plumber can make the repair quickly by simply recoating the interior of the pipe with epoxy,as long as the crack is not beyond repair. Replacement of short lengths of pipes can be done efficiently by expert plumbers and should not take more than a day to complete. For simple clogs and blockage,power rodders could be used to remove the foreign material blocking the pipe.

Best plumbing service in the county

When it comes to sewer line repairs involving septic tanks,it may be a more intensive repair situation than normal. Most septic tanks are buried in backyards,so the yard may have to be dug up from the point where the pipe enters the home,to where it connects with the septic tank.

South Florida Plumbing

On the brighter side,having it all in one place will make it easier to perform the repairs,in spite of all the mess made by the digging. This may take a few days but it will be worth it in the long run,especially if you arrange to have regular maintenance done on it in the future,on a regular basis to prevent more problems.

Can Umbrella Businesses Have a Pension Scheme?Can Umbrella Businesses Have a Pension Scheme?

Umbrella Company Pension Schemes — What You Want to Know Pension schemes assist employees put money aside for retirement straight from their own commission. The issue for self-employed professionals is thatthey need to handle themselves,by simply establishing a retirement strategy or saving money from their earnings. Fortunately,umbrella firms class contractors as employees,providing them all the advantages of employment. Including a retirement scheme,which requires participation from the umbrella company too. Let’s take a closer look at the statutory pension schemes available through umbrella companies. In 2012,the UK Government determined that employees weren’t saving enough for their retirement. Individuals were relying on the State Pension,that had not received sufficient funding to match the continuing rise in life expectancy and an ageing population. {To fight this,they introduced automatic enrolment. The new system,rolled from 2012 to 2018,requires companies to automatically enroll qualified employees on a workplace retirement strategy. Employers are also responsible for deducting contributions in their pre-tax income and creating a minimum statutory contribution to the employee’s savings.

In October 2012,this minimum donation has been set to 1 percentage for employees,that was matched by companies,rising in 2018: October 2012 to 5th April 2018: companies 1%,employees 1% 6th April 2018 into 5th April 2019: companies 2 percent,employees 3% 6th April 2019 onwards: employers 3%,employees 5% But for anyone that doesn’t need to contribute to a retirement as soon as you’re registered it is still possible to opt out. {Working through an umbrella company,contractors are classed as an employee.

That means,yes,you are automatically registered on the umbrella company’s pension scheme provided that you meet the following criteria: Your job is primarily UK-based You earn greater than #10,000 annually You’re between 22 and the state pension age. Until 5th April 2019,3% of your pre-tax wages will proceed into a retirement fund,together with the umbrella company contributing a further 2%. From 6th April 2019,5 percent of your pre-tax wages will probably enter the same pension fund,together with your umbrella company contributing a further 3%. The benefits of an umbrella company pension Some contractors may worry that this will eat away at their wages. Don’t. {Pension contributions are made prior to your wages are taxed.

That means anything which goes from your wage in your pension fund is tax-free instead of being taxed at 20% or even 40 percent. So,rather than receiving 60 percent of your earnings,you receive 100% via a pension fund. Let’s say you get more than46,351 annually,which sets you in the higher rate band of income tax. {Whatever you get beyond that #46,351 annually (roughly #3,863 per month) is taxed at a rate of 40%. |} You receive just #60 for every #100 of income. Why don’t you put the full #100 directly into the pension fund instead? That is why many people,particularly those in the higher rate band of income tax,choose to put more than the minimum in their retirement fund. And this is completely possible. Contractors can contribute upto #40,000 for their retirement scheme per year,comprising tax-free income and company contributions. At this time,there is a lifetime allowance of 1,030,000 that can be contributed before incurring any tax. Using your budget {With the increased earnings of contracting,it is common for contractors to retire early.

As an alternative,you might only want to find some of the money out for a holiday,new car or home improvement. The fantastic news is: you don’t have to wait till the state retirement age to get the pension funds you’ve built up through your umbrella company retirement. Once you’re 55 or more,you can get up to 25% of your pension pot as a tax-free lump sum. Anything beyond the 25% will be taxed as an addition to the rest of your earnings that tax year — either20% over #11,850,40 percent over #46,351 or 45% over #150,000,as things currently stand. That is why many people decide to take their retirement as regular income as soon as they’ve retired,to minimise the quantity of tax free. Contractors who function as a limited company can still benefit from the tax aid of a retirement scheme.

However,as with most things regarding limited companies,this requires much more effort on their part. Firstlythey have to find the ideal balance between wages and dividend payments to increase the limit in their retirement contributions. Because employer contributions,such as pensions,count as a business expense,they are subject to tax relief. Thus,when you contribute to your retirement strategy,as a director,the company could spend less in business tax. However, this has additional complications since it ought to be fully compliant as an allowable expense. Any other employees,by way of example,ought to be given similar packages to prove to HMRC which it is a real business investment. On top of all that,utilizing a limited company pension scheme means establishing and paying to the retirement fund yourself.

Along with the rest of the administrative work for limited company owners,it is definitely worth seeking assistance and advice from a trustworthy accountant. Get the Ideal assistance Whether you’re looking to compare umbrella firms or find the appropriate accountant,you can make the ideal decision with visit site. Our online comparison tool allows you assess multiple companies in a couple of minutes. It could not be easier to take the hassle from contracting. Contact us today to learn more.

What’s an IUL? Decoding Indexed Universal LifeWhat’s an IUL? Decoding Indexed Universal Life

Ever found yourself at a crossroads, trying to decipher the code of financial Security and prosperity? Yes, we’ve all been there. Now, imagine stumbling upon a roadmap that not only promises to guide you but also introduces an intriguing concept: what’s an iul. Sounds like something out of a financier’s diary, Right?

This isn’t your everyday money talk. Far from it. Indexed Universal Life (IUL) insurance flirts with the boundary between daring investment and cautious savings plan. It’s where the thrill of stock Market indexes meets the steadfastness of life insurance.

The allure? A chance at higher returns without lying awake fearing market downturns. But here’s the kicker – those potential gains have limits. Yes, caps on how much you can earn might just be IUL’s way of saying “let’s keep this interesting.” And let’s not forget; it demands more than pocket change for its premium costs compared to simpler life policies.

Understanding Indexed Universal Life (IUL) Insurance

What Is an IUL Account?

Imagine a world where your life insurance does more than just offer peace of mind for the unexpected. Enter: indexed universal life (IUL) insurance. It’s not just any policy; it’s a savvy blend of protection and potential growth, wrapped up in one neat package.

How Does an IUL Account Work?

IUL policies are like the Swiss Army knife of the insurance world. Offering adjustable payments, these plans allow you to modify your contribution amounts within specified boundaries. But here’s where it gets interesting: part of your premium goes into accounts that can be tied to market indexes like the S&P 500 or Nasdaq-100. Think smart savings with a twist – while there’s a safety net ensuring you won’t lose cash when markets dip, there’s also a cap on how high your returns can go. And yes, this means sometimes dancing close to those caps when markets soar.

Is an IUL Account a Good Investment?

This is where opinions diverge faster than forks in fairy tales. Some say IULs shine brighter than traditional universal life policies, thanks to their earning potential tied to market performance—without directly exposing your hard-earned money to market risk. Others caution about capped gains and costs that might nibble away at what could have been yours outright had risks been taken elsewhere.

  • If retirement planning feels akin to navigating through fog without lights, adding an IUL could turn on some headlights.
  • If already maxing out other retirement avenues or seeking tax advantages offered by life insurance products.
  • If keen on leaving behind something substantial for loved ones while enjoying some financial perks along the way.

The truth? Whether an IUL account beams as brightly as Sirius in our night sky comes down mostly to personal circumstances and preferences – but getting acquainted with all its ins-and-outs is key before diving deep into its waters.

Key Takeaway: 

 

Think of an IUL as a smart combo of life insurance and potential market growth, with flexible premiums and safety nets. It’s perfect for those navigating retirement planning or wanting to leave something behind, but it’s essential to weigh its benefits against capped gains and costs.

The Benefits and Downsides of IUL Insurance

Pros: Indexed Universal Life Insurance

First up, the positives – who doesn’t love kicking things off on a bright note? Indexed Universal Life (IUL) insurance isn’t just another life insurance policy. It’s like the Swiss Army knife in your financial toolkit. Why?

  • Potential for higher returns: Unlike its cousin, traditional universal life policies, an IUL can give you a leg up with returns tied to market indexes. But don’t worry; there’s a safety net ensuring you won’t dive into negative territory when markets falter.
  • Tax-deferred growth on cash value: The IRS isn’t getting their hands on this till much later. That means more money compounding over time.
  • A sidekick for retirement planning: Imagine having a bucket of money that grows tax-free which you can dip into during retirement without triggering taxes or penalties? Yep, an IUL has got your back.
  • Lifelong coverage plus flexibility: Need to adjust how much you’re paying or what your beneficiaries get after you’ve moonwalked off this mortal coil? With an IUL, it’s no biggie.

Cons: Indexed Universal Life Insurance

No sugarcoating here – while IULs have their perks, they come with caveats too.

  • Capped gains mean limited fun: We love those years when the stock market is throwing a party because everyone’s portfolio gets fat… unless yours is capped because of your IUL policy terms.
  • You might need a PhD in patience and persistence: I’m kidding about the degree part but not about needing heaps of patience. Managing these policies takes work, keeping track so it doesn’t lapse due to underpayment.
  • Those pesky premium costs: Let’s be real—quality comes at a price. While term life lets folks sleep easy knowing they’ve spent less, IUL asks for more upfront. And over time. That dough could potentially do better elsewhere, given half a chance.

There you go. The rundown on pros and cons. When considering if IUL is the right fit for you, weighing both sides is an essential step. So, make sure to grab a notepad and jot down how these factors align with your financial goals.

Key Takeaway: 

 

Think of IUL insurance as your financial Swiss Army knife: offering potential for higher returns, tax perks, and retirement help but watch out for caps on gains, the need for patience in management, and those premium costs.

Comparing IUL to Other Life Insurance Products

Indexed universal life insurance vs. term life insurance

Let’s kick things off with a classic face-off: IUL versus term life. The biggest difference? The crux of the matter lies in their longevity and the presence, or absence, of a monetary worth attached. Term life insurance is like renting an apartment – you’re covered for a set period, say 20 years, but when the lease is up, that’s it. No equity or cash value to show for it.

In contrast, indexed universal life (IUL) offers something more permanent. Think of it as buying a home – not only do you have lifelong coverage but there’s also potential to build cash value over time based on market indexes.

Indexed universal life insurance vs. whole life insurance

Moving onto the next contender: whole life insurance. This one’s got longevity in its corner too; providing lifetime coverage just like IULs do.

The main event here though? The way they handle your money. Whole-life policies are the steady Eddies offering guaranteed returns on your cash value component – slow and stable wins the race kind of vibe.

But if you’re feeling adventurous, an IUL throws in some spice by tying your earnings potential to stock market indexes without direct investment risk. It’s like having both safety nets and trampolines underfoot.

Indexed universal life insurance vs. variable life insurance

Last up we’ve got variable life insurance going head-to-head with our star player: IULs.

This showdown is all about Control versus flexibility. Variable policies hand over the reins letting policyholders directly invest their cash values into stocks or bonds—big rewards if you know what you’re doing. On the flip side, IULs keep things a bit more reined in. Your cash value grows based on selected market indexes with caps and floors to protect you from wild market swings. So what’s our takeaway here? When picking between term life, whole life or variable policies versus an indexed universal one, it all boils down to how much risk you’re willing to take on for potential rewards and whether longevity of coverage is key for you.