Indexed Universal Life (IUL)
Protection + growth potential in one policy.
What is an IUL?
An IUL is permanent life insurance that protects your family and builds cash value over time. Your cash value grows based on market index performance (like the S&P 500), but you're protected by a floor — meaning you never lose money when the market drops.
What makes IUL different
- Coverage that lasts your entire life — it never expires
- Earns interest when the market goes up, protected when it goes down
- Access your cash value tax-free through policy loans
- Flexible payments — adjust up or down based on your budget
IUL vs. Term
Lifetime coverage, builds cash value, tax-free access, flexible payments
Expires after 10-30 years, no cash value, lower monthly cost
Both serve a purpose. The right fit depends on your goals.
Common questions.
Is my money in the stock market?+
No. Your money isn't invested directly. It's credited based on index performance, with a guaranteed floor protecting you from losses.
Can I use the cash value?+
Yes. You can borrow against it tax-free for retirement, emergencies, education — anything you need. Repay on your own schedule.
How much does it cost?+
It depends on your age, health, and goals. A quick call is all it takes to get a personalized number.
Curious if IUL is right for you?
Book a free, no-pressure call and we'll walk through the numbers together.