Get market-linked growth potential with downside protection, tax-free income, and lifelong coverage in one powerful financial solution.
Get Your Free IUL GuideIUL offers unique advantages that traditional investments and life insurance can't match
Potential to earn returns based on market index performance without directly risking your principal.
Your cash value is protected from market losses with a guaranteed floor (typically 0%).
Access your cash value through policy loans and withdrawals that are tax-free under current law.
Many IUL policies include accelerated benefits for critical, chronic, or terminal illness.
Provide financial security for your loved ones with an income tax-free death benefit.
Adjust your premium payments and death benefit as your financial needs change over time.
Understanding the simple process to harness the power of IUL
Provide basic information to get a personalized IUL illustration.
Work with our experts to design a policy that fits your financial goals.
Make premium payments that build cash value over time.
Track your cash value growth with market upside and downside protection.
Real stories from people who have benefited from IUL policies
"My IUL policy has grown significantly more than my traditional whole life policy, with the same peace of mind. The tax-free withdrawals during retirement are a game-changer."
"After seeing my 401k take huge hits during market downturns, I love that my IUL protects my principal while still allowing me to participate in market gains."
"The living benefits rider on my IUL gave me financial security when I was diagnosed with a critical illness. I could focus on recovery without money worries."
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Get answers to common questions about Indexed Universal Life Insurance
Indexed universal life (IUL) insurance is a type of permanent life insurance that offers a death benefit along with a cash value component. The cash value grows based on the performance of a market index (like the S&P 500), with a guaranteed minimum interest rate that protects against market losses.
While both are permanent life insurance policies, whole life offers a fixed, guaranteed rate of return on the cash value, while IUL offers potential for higher returns based on market index performance with downside protection. IUL also typically offers more flexibility in premium payments and death benefit amounts.
Policy loans and withdrawals from an IUL can be tax-free under current U.S. tax law, as long as the policy remains in force. This is because life insurance cash value grows tax-deferred, and policy loans are not considered taxable income. It's important to structure these transactions properly to maintain tax advantages.
While IUL offers downside protection from market losses, there are still risks including policy lapse if insufficient premiums are paid, caps on maximum returns, cost of insurance charges that increase with age, and the potential for lower-than-expected returns if markets perform poorly for extended periods.