Indexed Universal Life Insurance
Flexible premiums. Cash value tied to market index performance. Tax-deferred growth with a built-in floor that protects you from market losses. IUL gives you life insurance and a wealth-building tool in one policy.
Key Benefits of IUL Insurance
Flexible Premiums
Pay more when you can, less when you need to. IUL lets you adjust your premium within a range, giving you control over how much goes into your policy each month.
Market-Linked Growth
Your cash value is tied to the performance of a market index like the S&P 500. When the index goes up, your account is credited with a portion of those gains.
Tax-Deferred Cash Value
Your cash value grows without being taxed each year. You only face taxes if you surrender the policy for more than you paid in.
Adjustable Death Benefit
Increase or decrease your death benefit as your life changes. Need more coverage after having kids? Scale it up. Kids are grown? Scale it back.
No Direct Market Risk
A built-in floor (usually 0% or 1%) protects your cash value from market losses. If the index drops, your account stays flat instead of losing money.
Retirement Income Potential
Once your cash value builds up, you can take tax-free policy loans to supplement retirement income. Many people use IUL as a secondary retirement vehicle.
Who Is IUL For?
High earners who have maxed out their 401(k) and IRA contributions
Business owners looking for tax-efficient cash accumulation
People in their 30s-50s with a long time horizon to build cash value
Anyone who wants life insurance with upside growth potential and downside protection
Get covered in 3 simple steps
Call us
Talk to a licensed agent who will review your financial goals and explain how IUL fits into your overall plan.
Choose your plan
Compare IUL options from our 13 carrier partners. Pick the index strategy, premium level, and death benefit that work for you.
Get covered
Complete your application and start building cash value. Your policy begins working for you right away.
IUL Insurance FAQ
Common questions about indexed universal life insurance, cash value growth, and how it compares to other policies.
IUL is a type of permanent life insurance with two parts: a death benefit and a cash value account. The cash value earns interest based on the performance of a stock market index like the S&P 500, but your money is not directly invested in the market. It comes with a floor that prevents losses and a cap that limits maximum gains in any given period.
A portion of your premium goes toward the cost of insurance. The rest goes into your cash value account. Each year, the insurance company credits your account based on how the chosen index performed, subject to a cap and a floor. If the index gains 12% and your cap is 10%, you get credited 10%. If the index drops 15%, your floor (typically 0-1%) kicks in and you lose nothing.
Whole life has fixed premiums and a guaranteed growth rate on cash value. IUL has flexible premiums and growth tied to an index, which means higher potential returns but also more variability. Whole life is predictable. IUL offers more upside with floor protection against losses. IUL also lets you adjust your death benefit over time, which whole life does not.
The floor is the minimum interest rate your cash value can earn, usually 0% or 1%. It protects you from market downturns. The cap is the maximum rate you can earn in a given period, often between 8% and 12% depending on the carrier and current rates. Some policies use a participation rate instead of a cap, where you receive a percentage of the index gain.
IUL works well for people who want permanent life insurance with growth potential beyond a fixed rate. It is a good fit if you have already maxed out traditional retirement accounts and want another tax-advantaged vehicle to build wealth. It is not the right product for everyone. Talk to one of our agents at (888) 550-7159 to see if it makes sense for your situation.