Flexible life insurance with tax-free cash value growth linked to market indexes — protection and wealth-building in one powerful policy.
Book a Free Call →An Indexed Universal Life (IUL) policy is a type of permanent life insurance that combines a death benefit with a cash value component tied to the performance of a stock market index — like the S&P 500 — without directly investing in the market.
When the index goes up, your cash value grows (up to a cap). When the market goes down, your cash value is protected by a guaranteed floor — typically 0% or 1%. This means you participate in market gains without the risk of market losses.
IULs also offer flexible premiums and the ability to take tax-free policy loans in retirement, making them a powerful tool for supplemental retirement income. We compare IUL products from 60+ carriers to find the best fit for your goals.
Your cash value is tied to index performance — participate in market gains while a guaranteed floor protects you from losses.
Access your accumulated cash value through tax-free policy loans — a powerful supplement to your 401(k) or IRA.
Adjust your premium payments up or down as your financial situation changes — IULs adapt to your life, not the other way around.
A guaranteed floor (typically 0–1%) means your cash value never decreases due to market downturns. You only capture the upside.
Tax-free growth. Downside protection. No cost to explore your options.