Tax-Advantaged Growth Potential
IUL policies can provide growth opportunities that may help supplement future retirement income.
See whether an Indexed Universal Life strategy may help support your long-term financial goals while protecting your family.
Get my free planIUL policies can provide growth opportunities that may help supplement future retirement income.
Provide financial protection for your family while building long-term flexibility.
Eligible policies may allow access to accumulated cash value through policy loans or withdrawals.
Some policies offer flexibility that can adapt alongside changing financial goals.
Frequently Asked Questions
Indexed Universal Life (IUL) is a permanent life insurance policy that provides a death benefit while allowing cash value to grow based on a market index. Unlike direct market investments, an IUL typically includes a floor to protect against losses and a cap on gains.
A portion of each premium payment goes into a cash value account that grows over time based on index performance. This growth is subject to a participation rate and a cap, and builds without direct market exposure.
Eligible policyholders may access accumulated cash value through policy loans or withdrawals, which can be used for retirement income, emergencies, or other financial needs. Loans and withdrawals may reduce the death benefit if not repaid.
Term insurance covers a fixed period (10, 20, or 30 years) with no cash value component. When the term ends, coverage stops. IUL is permanent coverage that can last your lifetime while building cash value along the way.
IUL strategies may be a good fit for individuals looking to supplement retirement income, protect their families long-term, and diversify their tax exposure. It can work alongside existing 401(k)s, IRAs, and other retirement vehicles.
Costs vary based on your age, health, and the coverage amount you select. The best way to find out is to complete our short questionnaire and receive a personalized illustration from a licensed advisor.