Learn How Life Insurance Works
Plain-English guides from a licensed Utah agent. No sales pitch.
Life insurance is simpler than it looks once someone explains it without jargon. These guides cover how each type of coverage works, what it costs, and the trade-offs, so you can make a decision you feel good about. Each one is reviewed by Matt Harden, a licensed Utah insurance producer, and dated so you know it's current.
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IUL vs 401(k): How They Differ and When Each Makes Sense
An IUL is life insurance; a 401(k) is a retirement plan. Compare taxes, limits, fees, loans and risk, and why a 401(k) match should rarely be given up.
Read articleIUL vs Roth IRA: Tax-Free Growth Compared
How an indexed universal life policy and a Roth IRA compare on income limits, contribution limits, fees, death benefit, access to money and risk.
Read articleWhen an IUL Is a Bad Idea (and Who It Actually Fits)
A candid look at why indexed universal life policies disappoint, the narrow group they tend to fit, and the questions to ask before you sign.
Read articleMYGA Rates Explained: How Multi-Year Guaranteed Annuities Work
What a multi-year guaranteed annuity is, how MYGA rates are set, surrender charges, taxes, and how MYGAs are structured compared with CDs and Treasuries.
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Talk to a licensed Utah agent
Majestic Capital Protection serves Utah residents. Call or text Matt Harden, a licensed Utah insurance producer, or request a free quote and he'll call you back within 5 minutes during business hours.