Protection today. Tax-free retirement advantaged growth for your tomorrow.
An IUL gives your family a permanent death benefit while building cash value linked to a market index — with a floor that protects you when the market falls.
Why families choose an IUL
Indexed universal life is permanent coverage with a cash value account that earns interest based on an index like the S&P 500. You're never invested directly in the market, so a down year can't erase your gains.
- Tax-deferred cash value growth
- 0% floor — your account doesn't lose value in a down market
- Tax-free policy loans for college, retirement, or emergencies
- Flexible premiums and adjustable death benefit
- Living benefit riders for chronic, critical, and terminal illness
Upside with a safety net
Interest is credited when the index rises, up to a cap. When it drops, your floor keeps the account from going backwards.
A tax-advantaged bucket
Cash value grows tax-deferred and can be accessed through policy loans — often income-tax-free when structured correctly.
Coverage that lasts
Unlike term insurance, an IUL is built to stay in force for life as long as the policy is funded.
How an IUL works
A short, animated walkthrough of indexed universal life — how interest is credited, how the 0% floor protects you, and how policy loans can fund retirement tax-free.
Illustrations are not guarantees of future results.
Is an IUL right for you?
- Ages 25–60 with steady income
- Already maxing a 401(k) or IRA
- Business owners and self-employed
- Parents wanting protection plus savings
- Need the lowest cost per $1,000 of coverage
- Only need coverage for a set number of years
- Can't commit to consistent funding
- Looking for a short-term investment
Policy performance depends on carrier caps, participation rates, and funding. Illustrations are not guarantees of future results.
From IUL clients
Growth they can see. Protection they can count on.
"I already max out my 401(k). They showed me how the IUL builds cash value I can actually borrow from tax-free in retirement — and my family is covered either way."
"The 0% floor sold me. 2022 was brutal for my brokerage account and my policy didn't lose a dime of its cash value."
"As a business owner I needed something flexible. Some years I fund it heavy, some years light — and the living benefit riders gave me real peace of mind."
Want to see the numbers?
A licensed agent will run a personalized IUL illustration from A+ rated carriers — free, no obligation.