Indexed Universal Life (IUL)
Indexed Universal Life insurance combines permanent life insurance protection with the potential for cash value growth tied to market indices like the S&P 500, without the risk of market losses.
How IUL Works
Your cash value growth is linked to the performance of market indices, but you're protected from market downturns with a guaranteed floor. This means you can benefit from market gains while avoiding losses.
Key Features
Flexible Premiums: Adjust your premium payments based on your financial situation.
Tax Advantages: Cash value grows tax-deferred, and loans/withdrawals can be tax-free.
Death Benefit Options: Choose level or increasing death benefits to meet your needs.
Market Participation: Benefit from market gains up to a cap, typically 10-12% annually.
Benefits of IUL
• Lifetime insurance protection
• Potential for significant cash value growth
• Protection from market losses
• Tax-advantaged retirement supplement
• Flexible premium payments
Is IUL Right for You?
IUL is perfect for those who want permanent life insurance with growth potential, those maximizing retirement savings, high earners looking for tax advantages, or anyone wanting market upside without downside risk.