I had heard about a Roth IRA, but not a Roth IUL. I earn too much for a Roth IRA, but the Roth IUL was perfect for me. I am contributing $450 per month, but I can increase to over $1200 per month and if I reach that level, I will have over $67,000 in tax-free income in retirement, for the REST OF MY LIFE! Wow, thanks Roth IUL