Indexed Universal Life (IUL)
Build Wealth While Protecting Your Loved Ones
What is an IUL?
Indexed Universal Life (IUL) is a type of permanent life insurance that not only provides a death benefit, but also allows you to grow cash value based on the performance of a stock market index like the S&P 500 — all without directly participating in market losses.
How It Works
A portion of your premium pays for life insurance coverage, while the remaining amount goes into a cash value account. This account earns interest based on index performance with a guaranteed floor — meaning you never lose money due to a market downturn.
Why Choose IUL?
IUL policies offer flexibility, tax advantages, and potential for growth. You can access the cash value tax-free for retirement income, emergencies, or other financial needs. It’s a powerful tool for building long-term wealth with downside protection.
Tax-free retirement income
Guaranteed protection from market losses
Flexible premium and death benefit options
Access to cash value for any purpose
Who is IUL For?
IUL is ideal for individuals and families looking to protect their loved ones while building tax-advantaged wealth. Whether you're planning for retirement, funding education, or leaving a legacy — an IUL offers a flexible, powerful solution.
Ready to take control of your financial future? Let’s explore how an IUL can fit into your overall wealth strategy.
