Index Universal Life Insurance
Permanent coverage that builds cash value tied to market indexes — with a floor that protects your money in down years.
Overview
Indexed Universal Life (IUL) is permanent life insurance that lasts your entire life and builds tax-advantaged cash value. Instead of a fixed interest rate, the cash value is credited based on the performance of a market index — with a guaranteed floor that means you participate in gains but are protected from market losses.
Over time, the cash value can be accessed through policy loans for supplemental retirement income, college funding, or emergencies — often on a tax-advantaged basis. The death benefit stays in force for life, as long as premiums are funded.
IUL is a flexible tool: you can adjust premiums and death benefit as your income changes. We model the policy's floor, cap, and participation rate against your long-term goals so you understand exactly how it behaves in good and bad markets.
Key Benefits
- Lifetime death benefit that won't expire
- Cash value credited on market gains with a loss-protected floor
- Tax-advantaged access to cash value through policy loans
- Flexible premiums and adjustable death benefit
Interested in Index Universal Life Insurance?
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