Generate Tax-Free Retirement Income
Indexed Universal Life (IUL) insurance lets you grow cash value tied to the S&P 500 with 0% downside risk, access tax-free loans, and leave a guaranteed death benefit.
Projected Value
$232,952How IUL Works
Pay Premium
A portion covers insurance costs; the remainder builds cash value.
Index Crediting
Cash value grows based on an index, with cap/floor protection.
Access Value
Take tax-free loans against your policy in retirement.
Caps limit upside. Floors protect against negative credited interest. Charges apply.
Why Choose IUL?
Tax-Advantaged Growth
Cash value grows tax-deferred, and policy loans can provide tax-free income.
0% Floor Protection
Your cash value is protected from market downturns via a 0% interest floor.
Flexible Funding
Adjust your premiums to match your changing financial situation.
Lifetime Death Benefit
Permanent protection that doesn't expire like term life insurance.
Is IUL Right for You?
IUL may fit you if:
- You want permanent, lifelong coverage.
- You can commit to consistent funding.
- You value tax-advantaged growth.
IUL may not fit you if:
- You only need temporary, cheap coverage.
- You need simple, no-complexity products.
- You need immediate liquidity.
IUL Comparison
| Feature | IUL | Term | Whole Life |
|---|---|---|---|
| Cash Value | Yes (Market-Linked) | No | Yes (Fixed) |
| Premium Flexibility | High | Low | Low |
FAQ
How does an IUL actually work?
An IUL provides permanent life insurance and cash value growth potential tied to an index, but with a floor to protect against losses.
Can I lose money?
With a 0% floor, your cash value is protected from negative market index performance, but charges and fees still apply.
Is IUL better than whole life?
It depends. IUL offers more flexibility in premiums and market-linked growth potential, whereas whole life offers fixed, guaranteed growth.
What do caps and floors mean?
Caps limit the maximum growth potential in a given period, while floors protect against losses if the index drops.
See What Your IUL Could Look Like
Get a personalized illustration based on your age, goals, and funding preference.
*Illustrations are not guarantees. Policy loans and withdrawals reduce cash value and death benefit.