What Is Indexed Universal Life Insurance (IUL)?
IUL is a type of permanent life insurance that provides a death benefit to protect your loved ones, while its cash value grows based on the performance of a stock market index, such as the S&P 500. Unlike direct market investments, IUL protects your principal with a guaranteed floor, ensuring no losses during market downturns.
Key Benefits of IUL
Tax-Advantaged Growth
Your cash value grows tax-deferred, and you can access funds tax-free through policy loans or withdrawals.
Market-Linked Growth Without Risk
Benefit from market gains while avoiding losses, thanks to a guaranteed floor (often 0%).
Lifetime Protection
As a permanent life insurance policy, IUL provides coverage for your entire life, as long as premiums are paid.
Flexibility
Adjust premiums and death benefits to align with your changing financial goals.
Legacy Planning
Leave behind a guaranteed death benefit, ensuring your family’s financial security.
How IUL Works
Cash Value Growth: A portion of your premium is allocated to cash value, which grows based on the performance of a market index.
Guaranteed Floor: Even if the market performs poorly, your cash value won’t decrease.
Access Funds: Withdraw or borrow from your cash value to supplement retirement income, fund major expenses, or handle emergencies.
Is IUL Right for You?
IUL is ideal for individuals who want to:
Protect their family with life insurance coverage.
Build wealth with minimal market risk.
Enjoy tax-free supplemental income during retirement.
Plan a legacy for their loved ones.
Start Building Your Financial Future
Indexed Universal Life Insurance isn’t just about protecting your loved ones—it’s about creating opportunities for financial growth and stability. Whether you’re planning for retirement, funding a major expense, or ensuring a secure future for your family, IUL is a smart and flexible choice.
