Flexible permanent coverage with cash value growth tied to market performance. Upside potential with downside protection — your cash value never decreases due to market losses.
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Why clients choose Indexed Universal Life
Your cash value growth is tied to major market indexes like the S&P 500, giving you the potential for higher returns than traditional whole life policies.
Even when the market drops, your cash value never decreases due to market losses. A built-in 0% floor protects your accumulated value.
Adjust your premium payments up or down based on your financial situation. Pay more when you can, less when you need to — within policy guidelines.
Your cash value grows tax-deferred, and you can access it through tax-free policy loans — an excellent tool for retirement planning.
Everything that comes with your IUL policy
Coverage that lasts your entire lifetime
Growth potential linked to major market indexes
Your cash value never loses money due to market downturns
Adjust your premium amounts based on your needs
Access your cash value through tax-free loans
Up to $500,000
Death benefit coverage
Flexible
Premium structure
Common questions about Indexed Universal Life
While both are permanent policies, IUL offers cash value growth tied to a market index with potentially higher returns, whereas whole life provides guaranteed but typically lower cash value growth. IUL also offers flexible premiums, while whole life has fixed premiums. IUL has a 0% floor so you never lose cash value to market drops, but it also has a cap that limits maximum gains.
Your cash value is credited interest based on the performance of a market index like the S&P 500. You don't invest directly in the market — instead, the insurance company uses the index's performance to calculate your interest credit. This is typically measured over a one-year period and subject to a floor (minimum) and cap (maximum) rate.
The floor is the minimum interest rate your cash value can earn — typically 0%, meaning you'll never lose money due to market declines. The cap is the maximum interest rate you can earn in a given period. For example, if the cap is 12% and the index gains 15%, you'd be credited 12%. These rates protect you on the downside while still allowing meaningful growth.
Yes. You can access your cash value through policy loans or withdrawals. Policy loans are generally tax-free and don't require credit checks or approval. Many people use IUL cash value as a source of supplemental retirement income. Keep in mind that outstanding loans reduce your death benefit and excessive withdrawals could impact policy performance.
Speak with a licensed advisor to learn how an IUL policy can help you build wealth while protecting your family. No obligation, no pressure.
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