I learned about the Roth IUL from a friend who told me about it more than 2 years ago. I never looked into it, but after I lost another $20k in my 401K, I had to find another way. Now, I am protected and I am expecting more than $35,000 per year in tax free income in retirement, PLUS I have a survivor benefit for my family in case I die early. Most importantly, no more losing because of the stupid stock market. Thanks Roth IUL, you really helped me see the light!