Indexed Universal Life (IUL)
Life insurance that works like an investment — without the risk.
An IUL is permanent life insurance with cash value growth linked to a stock market index, such as the S&P 500. You participate in market gains up to a cap, but a 0% floor means your account never loses value when the market drops. Many clients use IUL cash value as a tax-advantaged supplement to retirement income.
This is right for you if...
- You want growth potential without direct market risk
- You are maximizing retirement savings and want another tax-advantaged bucket
- You want permanent coverage that can adapt as your needs change
- You want flexibility on premiums as your income changes over time
How it works
- 01We assess your income, goals, and risk tolerance
- 02We design a policy structure (death benefit vs. cash accumulation focus) suited to you
- 03Your cash value is credited based on index performance, with a guaranteed floor
- 04You can access accumulated value tax-free through policy loans in retirement
Key Benefits
Market-linked growth with a 0% floor — never lose principal
Tax-free accumulation and tax-free retirement income via loans
Allocate across multiple indexes (S&P 500, JP Morgan, Morgan Stanley)
Dollar-cost averaging effect — each premium builds its own indexed position
Policy can become self-sustaining over time
Flexible premiums and adjustable death benefit
FAQ
Frequently asked questions
Ready to explore Indexed Universal Life?
Answer 8 quick questions and we'll guide you to the best fit.
Quick Quote Survey
Answer a few questions and start your quote faster.
Complete this short form so we can guide you with better coverage options.
100% Confidential
Quote in Minutes
Multiple Top Carriers
Free · No Obligation