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Indexed Universal Life (IUL)
Permanent protection with the potential to grow tax-advantaged cash value — without market risk.
What is an IUL?
An Indexed Universal Life policy gives you lifelong insurance coverage plus a cash value account that can earn interest based on a market index. A built-in floor means your cash value can't go negative when markets drop — you keep your gains and avoid the losses.
- Permanent coverage that doesn't expire like term
- Cash value grows linked to a market index (S&P 500, etc.)
- A floor protects you — you never lose value in a down market
- Can be used for tax-advantaged retirement income
- Flexible premiums that can adjust to your life changes
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