Flexible life insurance with tax-free growth potential and lifelong protection.
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that combines a death benefit with a growing cash value account. Unlike term life policies, IUL provides coverage for your entire life and allows you to build wealth within your policy.
A portion of your premium goes into a cash value account that earns interest based on the performance of a market index—such as the S&P 500. Your cash value grows tax-deferred and can be accessed tax-free for things like retirement income, college costs, or emergencies.
As long as premiums are paid, IUL provides a death benefit to your beneficiaries—no matter when you pass away.
The cash value grows without being taxed each year, and withdrawals can be made tax-free using policy loans.
You can adjust your premiums and death benefit over time to match changes in your financial situation.
Unlike investments in stocks, your IUL account won’t lose value if the market drops—thanks to the 0% floor.
Indexed Universal Life (IUL) insurance is a type of permanent life insurance that offers both a death benefit and a cash value component. The cash value grows based on a stock market index, such as the S&P 500, allowing for tax-deferred growth without being directly invested in the market.
IUL insurance is ideal for individuals who want long-term life insurance protection with the ability to grow wealth over time. It's commonly used for retirement planning, tax strategy, and legacy building.