Permanent life insurance with cash value that grows based on market index performance — with a floor that protects you from losses.
IUL combines permanent life insurance protection with a powerful cash value accumulation strategy.
Earn interest linked to market indexes like the S&P 500 without directly investing in the market.
A 0% floor means your cash value never decreases due to market drops. You participate in gains, not losses.
Access cash value for chronic illness, critical illness, or terminal illness while you're still alive.
Borrow against your cash value tax-free through policy loans to fund retirement or major expenses.
Adjust your premium payments as your financial situation changes. Pay more when you can, less when you need to.
Coverage for your entire life, not just a set term. Your beneficiaries receive the death benefit whenever you pass.
Indexed Universal Life is permanent life insurance with a cash value component that earns interest based on a stock market index, with a guaranteed minimum (floor). It combines life insurance protection with a savings and growth component.
No. The 0% floor means your cash value never goes negative due to market performance. In years when the index is down, you simply earn 0% instead of taking a loss.
If you're diagnosed with a qualifying chronic, critical, or terminal illness, you can access a portion of your death benefit while you're still alive to help cover medical expenses or other needs.
Cash value grows tax-deferred. Policy loans are generally tax-free, making IUL one of the most tax-efficient ways to accumulate and access wealth.
People who want permanent coverage plus a savings and investment component with downside protection. It's ideal for those looking to build tax-advantaged wealth while maintaining life insurance protection.
Get a free consultation to learn how an IUL policy can provide permanent protection and tax-advantaged cash value growth.